GENERAL INSURANCE BLOG

Ageing is an inevitable part of life. Despite scientific advancements and multiple procedures that help reduce the visible effects of growing old, there is no way to prevent it. While making oneself appear younger is an option with costly and extensive surgeries, the internal effects of ageing cannot be reduced or eliminated. However, with the help of scientifically proven natural remedies, you can significantly slow the signs of ageing.

One such activity is sunshine exposure. Often taken for granted due to busy schedules consisting of being cooped up in dark rooms under artificial lighting, the benefits of getting some sunshine are unparalleled. Especially for senior citizens, who are susceptible to pain and diseases, getting sunlight daily is known to have immense benefits.

The pleasant environment and warmth of the sun make for the perfect conditions to go for a short morning walk. You cannot derive the physical and mental benefits of soaking in the sunshine from any other source.

If you are still sceptical about taking in your daily dose of sun, here are some of its benefits for your health.

1. Vitamin D:
Vitamin D is a unique vitamin not naturally produced by our bodies. It is vital in facilitating bone growth and strengthening the skeletal system. Therefore, we are dependent on external sources to get it. It can be sourced from sunlight exposure or consuming Vitamin D supplements prescribed by medical professionals in severe deficiency cases. However, to prevent such deficiency, it is necessary to expose yourself to sunlight daily for 10-15 minutes.

2. Serotonin release:
Sunlight triggers the release of serotonin, a hormone that boosts your mood. While serotonin is also released by engaging in activities you enjoy, a quick walk in the sunlight can provide the same results in a short duration and helps keep mental illnesses at bay and prevent mood swings. It also helps start the day with positivity.

3. Lower blood pressure:
Research conducted at the University of Edinburgh provided conclusive evidence that nitric oxide is released into the bloodstream when sunlight touches the skin. The oxide pushes blood vessels to widen and helps reduce blood pressure.

4. Improved brain functioning:
The cognitive function of the brain begins to reduce with age. A casual stroll in the sunshine can help your parents or elders in the family retain and improve their memory and reduce the risk of illnesses while ensuring physical activity. In such cases, it is also advisable to buy health insurance in India for parents.

5. Improved sleep quality:
The sun plays an essential role in signalling to your brain that it is time to rest at night by producing melatonin which induces sleep. This helps maintain your natural body clock and derive adequate rest, which ensures rejuvenation to take on the tasks for the next day.

6. Facilitates growth in children:
Applicable for infants and children, studies have shown that the amount of sunshine exposure directly impacts the child's height. It also helps boost the child's immune system and ensure physical and mental well-being.

While there are several benefits of daily walks in the sunshine, it is necessary to maintain a balance. It is highly beneficial for people of all ages, having particular benefits for the young and the elderly, as we discussed in the blog. However, you must always consider the risk of skin cancer, and exposure should not exceed 30 minutes a day under any circumstances (preferably in the morning).

We recommend purchasing insurance to protect you and your loved ones against unexpected health situations. Buy the best health insurance in India for parents, your spouse, children and direct dependents and keep yourself away from financial distress during emergencies.

Click HERE to buy the best health insurance in India for parents.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Quality sleep immensely affects your daily life and good health. Your sleep cycle determines everything from your mind to your physical well-being. If you lack adequate sleep, you can experience stress, fatigue, irritability, anxiety, headaches, and even depression. Things can sometimes get out of hand for you.

Lack of sleep can affect your personal as well as professional life. In a fast-paced world, getting sound sleep has become challenging. Adhering to a sleep schedule that works for you is even more difficult. There are many ways to get your sleep cycle back. From playing serene music to meditation and reading, anything can work out for you.

One such method is: sleep syncing. It is a comparatively new concept that has come in. It has been derived from sleep experts who have studied sleep patterns for decades now. With sleep syncing, you regain your regular sleep cycle. Let's learn more about sleep syncing here:

What is sleep syncing?
Sleep syncing refers to keeping your circadian cycle in check. The circadian cycle is the sleep-wake cycle of your body that takes place across the span of 24 hours. It is affected by various factors, including hormones like melatonin and even sunlight.

With sleep syncing, you give your sleep-wake cycle a gentle nudge. This way, your body will sleep when it's meant to. It will ensure better sleep, more energy, a good mood, and a healthy body.

How to practice sleep syncing?
There are many ways and means by which you can practice sleep syncing. They are as follows:

1. Fix a schedule
Having a timetable is necessary. You must set a designated time for sleeping and waking up daily. You can then align all your activities around the same. You can use a sleep tracker to find out your sleep length initially. Once you are sure, work out a schedule and set your alarm accordingly. You can also set a bedtime routine. It can include skincare, reading, meditation, light yoga, or even journaling.

2. Get sunlight
Sunlight plays a pivotal role in establishing your circadian cycle. When you wake up, ensure you get enough sunlight for your body. You can gently walk or stand in the sunlight after waking up. Pulling off your curtains and waking up to sunlight can be effective too. It helps fix your sleep cycle and even boost productivity.

3. Consume less caffeine
Do not incorporate a lot of caffeine in your daily routine. Caffeine can throw you off your circadian cycle and cause immense harm. Although caffeine effectively boosts energy, it can keep you up at night. If you consume tea or coffee late in the evening, it will keep you awake till late. You need to switch to decaf if you are addicted to caffeine.

4. Avoid gadgets
If you use your phone or laptop excessively before bed, you can find it difficult to fall asleep. It can disturb the production of sleep hormones in your body. It is advised not to use phones an hour before your sleep time.

Sleep syncing is one of the most effective tools to fix your sleep cycle. It has been proven effective for many people across the globe. You can try the aforementioned pointers for yourself to get the desired results. Also, remember you should always have online health insurance to keep you covered.

Click HERE to buy online health insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

The Indian healthcare industry is one of the biggest sectors of the Indian economy in terms of revenue and employment. Investment in the public, as well as the private healthcare sector, has shot up multiple times in recent years. This sector comprises hospitals, medical instruments, research and development, outsourcing, and health insurance.

Let us look at the possible future of the Indian healthcare system, industry growth, and the major challenges.

Opportunities
Let us first assess the opportunities in the Indian healthcare industry.

1. Excellent growth rate
The Indian healthcare industry is witnessing a buoyant growth rate in recent years because of the increase in consciousness of the Indians towards health upkeep, especially after Covid-19. Also, a rise in income levels, increasing health awareness, and growing government support in the healthcare sector contribute to a double-digit growth rate. Since 2016, the Indian healthcare industry has grown at a staggering CAGR of 22%.

2. Increase in health insurance
Health insurance in India has seen an increased penetration in recent years. After the advent of Covid -19, even the population living in Tier-II and Tier-III cities, as well as rural areas, are rushing to get health insurance policies. More youngsters are joining the workforce, boosting their disposable income and spending power. This has helped in increasing healthcare spending and is only set to grow at a higher pace.

This presents tremendous opportunities to existing health insurance companies and new entrants. They can develop new and unique policies to capture the untapped health insurance market.

3. Self-sufficiency and export
The Indian pharmaceuticals sector has also witnessed a tremendous pace in research and development and production of crucial medicines. India has accomplished administering over 170 crores of Covid-19 vaccine doses. Moreover, it also exported over 5 crore vaccine doses to around 70 countries.

India has made a mark for itself by achieving this feat in so little time. Vast opportunities lay ahead for Indian pharmaceutical manufacturers to take their production to global levels and cater to the world’s growing demand for medicines and healthcare equipment.

Make in India is becoming a reality. Indian companies have also started manufacturing CT scanners, ultrasound machines, ventilators, and MRI machines, which were fully imported until some time ago.

4. FDI and PPP model
India is inviting Foreign Direct Investment (FDI) to develop hospitals, healthcare centres, and medical equipment manufacturing. The foreign community is witnessing India as the next big investment destination because of the mix of skills and cost-efficiency of the Indian workforce.

To boost this sector, the government is also actively launching programs such as credit incentives, aggressive expansion through the PPP model (Public-Private partnership), setting up of new medical colleges, etc.

Challenges
Let us now look at some of the challenges in the Indian healthcare industry.

1. Doctor-patient ratio
A wide gap still exists in the doctor-patient ratio in India. Only 01 doctor is available for every 834 patients in India, which poses a huge challenge in providing medical services in a cost-effective manner.

2. Innovation and implementation of AI
The Indian healthcare industry is in a nascent stage. Innovating and producing high-quality medical equipment and medicines in India at low prices is a challenge. Also, AI-based software in various processes must be implemented as fast as possible as in other developed nations. Covering smaller cities and towns with such software can be a daunting task.

The future of the Indian healthcare industry is bright and shining, with more opportunities in view than challenges. Much is still needed to bring world-class medical services and products to India, especially in smaller cities and towns.

The Indian healthcare industry is growing rapidly, which is excellent news for health insurance as well. With increased awareness of health and fitness in the Indian population after the pandemic, health insurance in India is going through its golden phase. It is penetrating its reach across the length and breadth of the country at a rapid pace, providing ample opportunities for growth in the sector.

Click HERE to buy health insurance in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

There is no denying that a good lifestyle depends on an individual's health. Especially after the post-Covid era, this situation has been more alarming, which has left us all forced to believe that there is no substitute for good health and mental well-being. Besides the periodic outburst of viral infections, ageing can significantly affect our health. With increasing age, our body becomes more fragile and vulnerable to health problems.

The body's ageing hampers the quality and functionality of internal organs, muscles, bones, and the immune system. This is when illnesses make their way into the lives of the elderly and compromise their health to a large extent. The upkeep of health can get challenging, and with inflation on the rise, health expenses for seniors can cost them a fortune. From diagnosis to treatment and aftercare, these activities can be costly, derailing your financial health.

What's the solution?

Investing in a comprehensive health insurance plan for seniors is the optimum solution to ensure their well-being while having less financial distress regarding expenses.

We at Magma HDI, worked hard to introduce the exclusive OneHealth Senior insurance policy to address seniors' health challenges and promise them a healthy retired life.

What are the base covers of this health insurance policy?

This health insurance policy covers the following medical treatment and activity expenses:

● Pre and post-hospitalisation expenses

● In-patient care, such as hospitalisation due to injury or illness

● Modern treatment procedures

● Annual health check-ups

● Wellness services like doctor on call, specialist’s e-opinion, nutritional e-counselling

● Coverage for ambulance, day-care treatment, shared daily room cash, organ donor, and domiciliary hospitalisation

What are the eligibility criteria for health insurance?

The minimum entry age for senior citizens is 56 years, and there is no maximum upper cap. However, proposer should be of age 18 or above. The renewal term for this health insurance is lifelong.

Types of plans available.

Magma HDI OneHealth Senior insurance policy offers various sum insured options. They are 3L, 4L, 5L, 7.5L, 10L, 15L, 20L and 25L. You can choose from two different plans viz. Gold and Platinum.

You can also customize your plans by adding optional covers like non-payable expense cover, decrease in co-payment, etc.

Benefits of buying health insurance.

● Tax-saving benefit:
You can claim a tax deduction under Section 80D on the premium paid toward this policy.

● Cashless facility:
The insurance policy deals with hospital bills, saving your time and additional paperwork.

● Better savings:
Health insurance reduces the financial pressure on you and your family during the stressful time of a medical emergency.

● Sum assured:
Health insurance provides money for paying a range of health-related expenses.

● Cumulative bonus:
You can get a bonus if you haven't claimed your health insurance in the past.

Let's look at the exclusions where you won't be able to claim your insurance:

• Substance abuse

• Hazardous or adventure sports

• External congenital anomaly

• Cosmetic treatment

• Treatment not supported by prescription

Key features of the OneHealth Senior Insurance:

● The waiting period for pre-existing diseases is just 1 year

● No co-pay application for accident-related claims

● 30% co-pay applicable for non-accident-related claims

How to claim OneHealth Insurance?

You can claim this health insurance using the following tips:

● Download the "Magma HDI" mobile app and track claims

● Avail wellness services

● Download forms

● Look for a hospital for a cashless facility

● Access policy facility features and health cards using the app

It's that simple!

Just as we say that childhood is the best phase of our lives, understand that old age is the phase to cherish all the armchair memories and give yourself extra time to do things you always wanted to. All this can be possible only if you stay fit. Investing in the right health insurance can help you plan for a financially and emotionally stable old age.

Magma HDI's OneHealth Senior insurance policy is your ticket to happiness. Click here to learn more about the policy. You may also contact us at magmahdi.com for the latest updates and information on different insurance policies..

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Rock climbing and rappelling offer some of the most thrilling encounters with nature and adventure. It's a hands-on journey that requires all of your focus. Although rappelling hasn't gained widespread popularity like paragliding or river rafting, it is gradually doing so. Many locations across the nation have established themselves as adventure centres with a dedicated focus on rappelling.

An unforgettable experience, scaling a steep rock is exciting and leaves a lasting impression. The adventure sport of rappelling is very taxing and requires mental and physical stamina. While you still have the chance, you must at least once experience it. Rappelling puts your resolve to the test of your limits.

Here is a list of the top rappelling spots in India.

1. The charming city of Rishikesh:
Rishikesh is not only a pilgrimage destination. Travellers from all over the world come to the "yoga capital" in huge numbers. Rishikesh, the paradise for all adventure activities and tours, has the perfect terrain for rappelling. The dotted hills, flora and fauna, rivers, and streams help adventure sports flourish here.

2. A haven for adventurers, Odisha:
Odisha is another retreat for adrenaline seekers. Lord Jagannath's native state is steadily establishing a reputation as a centre for adventure. If you are physically healthy and desire to use that stored energy well, consider rappelling in the Pandav Bakhara Caves and the Chandaka Wildlife Sanctuary. Pushing your stamina to a real test is a wholesome experience in Odisha, where you can enjoy rappelling with a professional staff trained at the Indian Mountaineering Foundation.

3. A foggy affair in Himachal Pradesh:
Stand a chance to touch the clouds when you go rappelling in Himachal Pradesh or cherish the top-of-the-world feeling. There are several rocky hotspots where you can do adventure sports in this land of mountains. The pleasant weather and breathtaking views will double your excitement and promise you a wholesome experience. One of the most exciting waterfall rappelling adventures at Tirthan Valley has no parallel.

4. Rappelling down south with a mystic charm:
If hot adventure tours are what you're after, come down to the south. From Coorg to Dandeli, there are many thrilling and adventurous things to do. You can go to Karnataka to fully understand what it's like to conquer a cliff and absorb the breathtaking views. Enjoy your serenity amidst the wild and unbridled splendour of nature.

5. Maharashtra's penchant for adventure:
Maharashtra offers many options for a weekend break if you're seeking something discreet and unexplored. In Maharashtra, you can go trekking or even kiteboarding. The Sahyadri mountain range is the best playground for rappellers to enjoy their favourite sport. Some of the state's most well-known rappelling locations include the Kundalika Waterfalls in Kolad, the Ashoka Waterfalls in Kasara, Sandhan Valley, and the Kondana Caves in Karjat.

Everyone may have a different definition of adventure, however, the adrenaline and thrill that rappelling provides cannot be disputed. Climbing a steep rock is heart-thumping but risky at the same time. You can stay reasonably safe if you consistently practise good behaviours like double-checking knots and tying backups.

Being prepared for any situation and knowing what may go wrong will help you stay safe and avoid accidents. It would be wise to purchase personal accident insurance online (PA insurance), an annual policy that pays benefits in the event of injuries, disabling conditions, or fatalities entirely brought on by violent, accidental, external, and obvious events.

Click HERE to buy personal accident insurance online before planning your next rappelling trip.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Everyone wants to amp up their homes with creative interior design these days. The most common home design trend that is making the rounds is "minimalism." People are opting for a minimal yet chic interior that speaks to all. Minimal designs are in vogue these days. From the posh houses shown in Bollywood movies to the trendy interiors of young couples, minimal design is everywhere.

Minimal design can be dicey as it requires a lot of research and careful planning to display the best to everyone who visits your house. The first and foremost step towards minimalism requires decluttering. You should keep your spaces clean and well-maintained. It helps in promoting a more calming, tranquil, and soothing vibe.

Since you spend most of your time in your living room, you need to start a minimal design idea from the living room. This article focuses on ways and means to amend the environment of your home.

Regardless of all this, a house should always be protected at all times. You should also get the best home insurance policy in India to safeguard your home against any potential problems.

How to elevate your home with minimal effort?

1. Make way for muted colours
Bright or vibrant colours can be too over-the-top and spoil the whole vibe of your home. Instead, you should use muted colours for the walls and furniture. These colours are simple, elegant, and classy. You can choose from a wide range of colours, from rose gold to midnight blue. You can also use monochrome palettes to elevate the design of your home.

2. Choose best items
The items that you choose for different rooms can have a significant effect on the eyes. You need not select extravagant or large articles for your rooms. You can go for simple yet effective items that create a strong impression. You can have just three items in a room, but they should reflect your personality and the vibe of your home. You can combine modern and rustic objects to create a minimal effect.

3. Use art pieces
Art pieces like paintings and abstracts, among others, can have a dynamic effect on the psyche of your guests. They can instantly add an aesthetic appeal to your living room, gallery, or dining area. You need to choose the right art piece for the room. It should blend with the colours present in that particular room as well.

4. Use more plants
The minimalist design features an array of plantations all around. They add a much-needed dash of green to your home. Plants will shine in your balconies, terrace, or living spaces, making them chic. This idea does not require a lot of money to fill the house with exotic indoor plants. Few planters make the area more aesthetic and vibrant with a woody and natural touch.

These are just a few tips to remember while planning your home's interior design. It is important to keep the vibe of your personality alive in your decor and designs. Minimalism is the next big thing in fostering a fresh appeal and zeal in your living spaces. In the race to ensure vibrancy, do not compromise your home's safety. Invest in the best home insurance policy in India and keep financial stress at bay.

Click HERE to buy the best home insurance policy in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Over the past decades, the emphasis on conventional methods of living has reduced with the monotonous nature of life. The desire to explore the unconventional and experiences that are out of the box has become the trend. While in the past, stability and ordinary lifestyles were chased after, it has been replaced by the desire to gain offbeat experiences.

One such changing trend is the demand for discreet and unusual travel experiences. Today, most travellers opt for unordinary travel itineraries focused on living in the present rather than run-of-the-mill standard tourist programs that showcase popular destinations.

As travel focuses on self-growth, the houseboat experience has seen a drastic increase in demand. Since India has ample water bodies, there are multiple places to experience this leisure activity that delivers a luxurious and rejuvenating feel.

However, since it is a unique activity, purchasing general insurance plans to protect your travel is ideal. Here are some of the best locations in India to experience living in houseboats.

1. Alleppey, Kerala:
Also known as God’s own country, the backwaters of Kerala are often discussed when talking about peaceful locations in India. With its lush greenery, dependence on fishing and allied activities and relaxed pace of life, Kerala is an ideal location for a stay in the houseboat. The local cuisine, pleasant weather and hospitable hosts make the experience unforgettable.

2. Sundarbans, West Bengal:
The Sundarbans are known to be the largest mangrove in the world. A houseboat stay in these mangroves is in stark contrast to the experience in any other location in India. This is the only region to showcase natural swampy habitats. Unlike others that focus on self-sustenance and peace amidst lush greenery, a houseboat stay in the Sundarbans is thrilling. A holiday on the houseboat is like a wildlife safari through the forest swamps. Since it is an unconventional travel experience, it is best to purchase general insurance plans in case of unforeseen mishaps during your travel.

3. Pondicherry:
The first thought that comes to mind at the mention of Pondicherry is the slow-paced life and quaint towns with picturesque architecture. Take a different route to explore the beauty of the location by opting for a houseboat and enjoying the impact of French and Tamilian culture in its architecture, people, and arts with scenic nature in the backdrop.

4. Srinagar, Jammu and Kashmir:
It is unlikely to talk about houseboats without citing Kashmir. Most popular on the Dal Lake and the Nagin Lake, a houseboat stay in Kashmir is unique as the houseboats are anchored at a spot. However, they are the embodiment of luxury and peace.
The wooden structure has adequate supplies to provide warmth in contrast to the cold outside. Waking up to the magnificent view of the snow-covered mountains, clear sky, and cold weather is unparalleled. The floating market and restaurants are other exciting activities that you can enjoy.

5. Tarkarli, Maharashtra:
Located in the serene Konkan belt, this is the only location in Maharashtra where one can enjoy a houseboat stay. Tarkarli is known for its clean beaches and sees lesser footfall than famous beaches in Goa, making for a peaceful getaway. A houseboat stay can be coupled with adventure sports like scuba diving or visits to the long beaches to make the most of the trip.

With time, houseboat stays have become a favoured option for a brief vacation for much-needed peace to escape the hectic lifestyle. While it is an excellent retreat, it is essential to consider the risks associated with the activity and purchase adequate cover in the form of general insurance plans to cover the burden of accidents during your travel.

Click HERE to browse different general insurance plans.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Air, a life luxury or a biological necessity, is something no one can live without! But what about the quality of air that we breathe? Is it safe? An AQI, or Air Quality Index, measures air quality around us. AQI values around 100 or less are satisfactory and do not adversely affect our health. Higher AQI values can adversely affect us in the long run, whether we are sensitive or not.

Poor air quality can result from various reasons, such as vehicle exhaust, industrial emissions, pollutants, smoke, dust from roads, harmful chemicals and gases, etc. It is usually caused by the irresponsible acts of humans for their own benefit and greed.

Let us see how exposure to poor air quality adversely affects us all in the present era of rapid commercialisation and industrialisation.

1. Respiratory diseases
Poor air quality affects our lungs. It causes asthma and several other respiratory diseases, such as COPD (Chronic Obstructive Pulmonary Disease) and chronic bronchitis. Rapid urbanisation and rising air pollution are resulting in an increase in asthma, mainly among children.

It has been proved that people living in urban areas are more prone to respiratory diseases than those living in rural areas. This is because of higher air pollution in urban areas. Also, children who play more outdoor sports and live in high-pollution zones have a higher chance of respiratory diseases. Hence, sensitive or not, poor air quality results in causing respiratory diseases.

2. Cancer
Studies have shown that people living in high pollution zones such as roadsides, along major roadways, and near industrial zones are more susceptible to several forms of cancer. This is because of the poor air quality they are exposed to and inhale each day of their lives forcibly.

Airborne toxic substances such as chemicals used in paints, paint removers, and aerosol products can also cause cancer. Hence, workers in such factories and those residing near such factories are susceptible to cancer because of inhaling such toxic substances.

3. Cardiovascular diseases
Pollutants in the air can impair the functioning of our blood vessels. It can cause dangerous changes in blood pressure in pregnant women, causing hyperactive disorders. This results in preterm birth, low weight at the time of birth, maternal and fetal illness, and sometimes, even death.

4. Neuro problems
Studies have also shown that children's brain development is altered and impacted if they breathe PM 2.5 regularly, even at low levels. This can cause cognitive and emotional problems in them when they grow old. It slows down the brain's processing speed and causes Attention Deficit and Hyperactivity Disorder (ADHD) symptoms.

Exposure of women to high levels of pollutants during pregnancy increases the risk of the child being born with autism. The children may have high blood pressure problems early in their life too. Studies have also shown that exposure to high levels of carbon monoxide, nitrogen dioxide, or nitrogen oxide during the first 8 weeks of pregnancy significantly raises the risk of having a baby with neural tube defects. Such children may end up having lower IQ scores than other children too.

Poor air quality is very dangerous for all of us and can cause irreparable damage and loss in the long run. Hence, we need to immediately work together to improve the air quality around us for the social good, whether we are sensitive to it or not.

Poor air quality is not in our immediate control. However, we can control the financial implications of diseases caused by poor air quality by opting for insurance from the best health insurance company in India for ourselves and our families. It will take care of our medical emergencies and provide us with full protection and support.

Click HERE to buy insurance from the best health insurance company in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Every year, millions of new bikes are registered in India, the fourth-largest automotive industry in the world. According to the World Bank, India is also responsible for 11% of all road fatalities worldwide due to the country's rapid automobile population growth and congested roads. So, everyone in the community must be responsible for obeying the traffic rules.

This post looks at the consequences that can happen when people break the law and drive on the wrong side of the road.

1. The dangers of wrong-side driving:
Wrong-side driving is a common violation in India. The Ministry of Road Transport and Highways has amended the Motor Vehicle Act because traffic laws are often broken. As per the amendment in Motor Vehicle Act 2019, the penalties are INR 500-1000 and/or jail for 03 years.

2. Ensure no traffic violations:
It's important to remember that while driving, you are accountable for your safety and for other vehicles plying on the road. Say no to traffic offences and prevent wrong-side driving.

3. The potential danger of head-on collisions:
It is well known that drivers who cross the centre line or make a wrong turn onto an exit on a highway are the primary perpetrators of head-on collisions. Head-on and wrong-way driving crashes account for more than 10% of all bike accident fatalities.

4. Frequent crashes in the night:
Night-time is the most dangerous time for head-on collisions when visibility is reduced, and driver weariness is high. Due to the weather, motorists are more likely to drift into oncoming traffic lanes without realising it until it's too late.

5. Greater numbers of moving vehicles:
There are several valid reasons to avoid driving on the wrong side of the road. An increase in traffic volume can be one reason. For instance, the number of vehicles passing decreases by half when going with the flow from 30 mph to 15 mph, whereas it increases by 150% when going against traffic flow at the same pace. It results in a threefold rise in the volume of traffic.

6. Shorter reaction times:
The motorist and rider have less space and time to respond when the biker is on the wrong side of the road. Even the rider from the wrong direction diminishes his safety options from incoming vehicles. This can lead to confusion and possible collisions.

No matter how urgently you need to reach your destination, skipping the traffic by riding on the wrong side of the road is not a wise and legal thing to do. You will only invite accidents and unwanted problems for yourself by doing so. Rather stay in your lane and patiently wait for the traffic to get cleared than take risks and put others' lives at stake too. Follow the traffic rules and wear a helmet and safety gear for additional protection while riding.

As a responsible biker, you must know all the traffic rules and carry your driving licence and insurance policy before driving your bike. Also, consider getting bike insurance covering everything to protect your bike as much as possible from theft, accidents, and financial loss. You should compare different plans by visiting the websites of different insurance providers and buy the best bike insurance online India that is the right choice for you.

Click HERE to buy reliable bike insurance online India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Medical tourism is evolving rapidly in India. Previously a hub only for cultural and religious purposes, many Indian destinations have advanced their medical services with excellent infrastructure, world-renowned doctors, and a guaranteed standard of services at about 1/10th of the cost in other developed countries. India has also been the heart of many alternative medicines, and with growing interest in the field, people are flocking to the country.

The government has also made accessing the country for medical purposes much more effortless. A distinct category of visa, made especially for this situation (a medical visa), has also been introduced. Although medical tourism is primarily concentrated in some parts of the country, there are a lot of unexplored places to be added to the list.

This blog intends to introduce you to some medical tourism destinations in India that you may have yet to hear about.

1. Alleppey, Kerala
Alleppey is the centre of Ayurvedic treatments in the country. This is the best place to visit for rejuvenation through various ayurvedic treatments from skilled Ayurvedic doctors. Along with this, Alleppey in itself is a marvel to behold.

Often called the 'Venice of the East,' this place has the famous backwaters of Kerala, where several houseboats with comfy rooms are at your service. These houseboats have been modernised to provide the comforts of a basic hotel with air conditioners, western toilets, and balconies for viewing the lush greenery dotted with coconut trees. The beaches are also must-visits when you're here for various medical treatments.

2. Ahmedabad
Another city that is quickly emerging as one of the best destinations for medical tourism is Ahmedabad. With state-of-the-art facilities, it is surprising that this city is chosen less often for medical treatments.

There are some swoon-worthy places to visit in this beautiful city as well. You can register for various sightseeing tours to get a closer look at this mesmerising city. Whether it is strolling through the Modhera Sun Temple or getting to know the full history of Mahatma Gandhi in Sabarmati Ashram, there is something for everyone here. You can even visit Gir National Park if you're a wildlife enthusiast.

3. Goa
Although Goa is the gregarious party capital of India, the hospitals are constantly upgrading their infrastructure and equipment, which helps in making it another one of the most underrated places in India for medical tourism. Doctors are well-versed in English as well as Hindi, and this makes it much more accessible than a lot of places around the country.

4. Vellore, Tamil Nadu
With the Tamil Nadu government actively promoting medical tourism in Vellore, this city has promising alternative medical options. The variety of alternative medicine in this place makes it attractive for a select group of people interested in fields like acupuncture, Ayurveda, Homeopathy, and Unani.

5. Mumbai
The "City of Dreams" is becoming a popular choice of visitors approaching for various treatments - thanks to the city's advanced medical and research centres. People visiting Mumbai for medical reasons enjoy a fun time exploring the vibrant hotspots and getting adapted to the fast-paced life. Places like Marine drive, Victoria terminus, Haji Ali Mosque, Elephanta caves, Sanjay Gandhi National Park, and others are among the top picks to dive into the city's culture, heritage, and abundant nature.

Medical tourism in India is cost-effective and can be an excellent instrument for promoting the local economy. The above destinations make perfect packages of premium medical services and pleasant places to enjoy and boost positivity. Once you feel positive, you heal faster! With the rapid globalisation of services, getting an online health insurance plan suited to your specific requirements is equally important.

Click HERE to know more about online health insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Artificial Intelligence (AI) has transformed several sectors, and the insurance sector is no exception. AI has proven its value in the insurance sector, from speeding up claims processing to providing personalised policy recommendations. However, its potential extends far beyond claim settlements. This blog will provide insights into how AI can do much more than claim settlement for the insurance sector, especially in buying insurance policies online.

1. Chatbots for personalised recommendations
Buying an insurance policy online has become a preferred option for many people. It is fast, convenient, and often cheaper than buying a policy through a traditional agent. However, it can be overwhelming for customers who are unfamiliar with the insurance industry. This is where AI can play a crucial role in simplifying the process and making it easier for customers to find the right policy for their needs.

Chatbots are computer programs that use AI to automate customer conversations and address their queries via text or text-to-speech. They can answer questions, provide recommendations, and help customers purchase policies. For example, if a customer is looking for car insurance, the chatbot can ask them questions about their vehicle, driving habits, and other relevant information. Using this data, the chatbot can recommend policies tailored to the customer's needs. Chatbots can be integrated into insurance company websites and mobile apps, making them easily accessible to customers.

2. AI for risk assessment
AI can also help with risk assessment, a crucial part of the insurance industry. Traditional risk assessment methods rely on historical data and statistical models. While these methods are effective, they are limited in predicting future risks. AI can help overcome this limitation by analysing various data sources, including social media, weather reports, and satellite images.

For example, AI can analyse social media data to determine if a customer is at risk of a health issue. Suppose a customer frequently posts about unhealthy eating habits or lack of exercise. In that case, AI algorithms can flag them as high-risk customers and recommend health insurance policies that provide coverage for preventative care. This benefits the customer by providing them with the right policy from the best insurance companies by reducing the risk of costly claims.

3. Fraud detection with AI
Traditional fraud detection methods rely on manual processes and statistical models, which can be slow and ineffective. AI can analyse customer data and identify behaviour patterns consistent with fraudulent claims. This could include a customer who frequently submits claims for the same type of damage or a customer with a history of submitting claims at the end of the policy term. By flagging these patterns, AI can help insurance companies identify potential fraud and take action to prevent it.

4. Improving customer service with AI
AI can also help insurance companies provide better customer service. By analysing customer data, AI algorithms can identify customer behaviour and preference patterns. This information can be used to personalise customer service interactions and provide a more positive experience for customers.

5. AI as a tool to enhance human expertise
Suppose a customer frequently contacts customer service with questions about their policy. In that case, AI algorithms can identify this pattern and recommend that the customer be transferred to be contacted by a human agent for a more in-depth conversation. Doing this makes the customer feel heard and understood, while the human agent can provide more personalised assistance.

Overall, the potential of AI in the insurance industry is vast, and the benefits are clear. By embracing AI and incorporating it into their operations, insurance companies can stay ahead of the curve and provide better customer service. The process of how you can buy insurance policy online may have seemed daunting in the past, but with the help of AI, it can become a fast, convenient, and personalised experience for everyone involved.

Click HERE to learn more about how you can buy insurance policy online.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Hill stations are among the most loved destinations for peace-loving and nature-friendly travellers. The sight of hills, lush greenery, and clouds surrounding us amid the freshness and chill of the mountains is always breathtaking. The roads leading to the hills are also ornamented with scenic beauty and visual delights to die for.

However, the roads to the hills are often long and winding and can cause nausea and motion sickness. Our stomach starts to crunch, and our head starts spinning. We start feeling unwell, gloomy, and dull, and the fun soon fades away.

But wait, we've got a fix for this issue! Let us go through some effective tips to deal with nausea due to long winding roads.

1. Eat light
Make sure you eat light food before you start for a long ride up the hills. Avoid dishes with excessive ghee, butter, and oil. You don't have to stuff up until you are full. Take a basic, light meal so that it gets digested easily.

It is also not advisable to skip a meal before such a journey. An empty stomach can disturb you during your journey and trigger motion sickness. However, avoid drinking too much fluid, such as milk or fruit juice, before you start.

2. Take the front seat
Take the front seat while you travel on long winding roads if you are prone to nausea and motion sickness. You will look straight at the road in front of you while sitting in the front seat and not just focus on the steepness of the hills and the zipping scenery on your sides.

Also, you will have the door handle to hold, which can be comforting. You will be in control of yourself, and your body will not flip with every turn your car takes, helping you to avoid motion sickness and nausea.

3. Talk and distract yourself
Nausea and motion sickness often come when we continuously think about it due to fear and concern. One of the best cures for it is to indulge in constant talking and chit-chatting with your fellow passengers. It will keep you busy and distracted and take your attention away from the treacherous and winding roads.

Play good music in the car to keep your mind engaged and jovial. Do anything that makes you forget about the journey uphill on the winding roads, and you will triumph.

4. Fresh air
Make sure your car is well-ventilated on long, winding roads. Roll down your windows every now and then and allow fresh air to come in. It will take care of your nausea. Do not rely much on your car AC. It will not allow the stench to pass if someone has already puked, making you feel worse.

5. Medication

There are several medicines available in the market that help to reduce nausea. Take it before you start your journey, and it will block your urge to vomit. These medicines also contain sedatives that will help you to doze off during your journey and help you to tackle motion sickness and nausea.

The only way to reach the highest of hill stations is to take that terrifying journey across the long, winding roads, as no train or flight will take you there. Hence, follow the above tips if you are prone to nausea and motion sickness during such journeys, and you should do well.

It is equally important to buy good car insurance that will protect you from financial trouble if your car meets with an accident, suffers any damage, or worse, is stolen during such a trip. Do your research well, and choose the best car insurance that meets your requirements and comes at the best price tag. Safeguarding your car is paramount. Thoroughly research before making a final purchase.

Click HERE to find a reliable car insurance policy.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Inflation is a consistent and significant rise in the prices of goods and services over a long period in an economy. As the prices of goods in our consumption basket rise with time, so do our homes' construction and repair costs.

Inflation may also affect your home insurance policy in the event of a disaster. Besides the regular increase in raw materials prices, the labour cost also increases with time. Hence, we may find our house underinsured when making a claim. Our house insurance India policy should be adjusted according to the current construction costs at regular intervals.

1. Effect of inflation
While issuing a home insurance policy, insurance companies assess the probable cost required to rebuild a house. This is based on several assumptions. But they cannot consider the effect of inflation on the rebuilding cost in the coming years. It is a thing of the future and is uncertain.

Suppose your home insurance policy issuer has estimated the cost of rebuilding your house at 15 lakhs rupees in 2015 and provides coverage accordingly. By the time we enter 2023, the cost of rebuilding the same house has shot up to 30 lakhs rupees. This is because of the rise in building prices, construction materials, and labour wages over the years.

If your home insurance policy is not adjusted for inflation and your complete house is destroyed, you will get a reimbursement of only 15 lakh rupees from the insurance company. You must pay the remaining 15 lakh rupees for reconstruction from your pocket. This will prove very costly and cause mental and financial stress at the time of claim settlement.

2. Inflation rider
You should always add an inflation rider or inflation guard clause to your home insurance policy. With this rider, the insurance company will automatically adjust your policy's coverage limit, which is a fair reflection of the current cost of construction at the time of renewal. Thus, your home insurance coverage limit will grow with time and take into account the effect of inflation.

You will not be underinsured anymore and will be reimbursed in full according to the current cost of reconstruction if any mishap occurs.

3. Cost of inflation rider
Insurance companies increase the annual premium of your house insurance India policy when you add the insurance rider to it. However, this rise is usually lesser than the rate of inflation.

Hence, you should always opt for an inflation rider, even if you have to pay an extra premium. This will give you peace of mind and prevent you from suffering any significant financial losses later.

4. Exclusions
The inflation rider will not consider any value addition to your house because of renovations and other improvements. You have to first inform the insurance company about any such value additions to enhance your policy coverage. For such cases, the insurance company may increase the annual premium of your house insurance India policy.

Inflation is a persistent problem in any economy across the globe, and you need to take care of it. It can result in a sharp increase in the cost of restoration and renovation of your house in the event of a disaster.

Hence, you should be cautious about it from the start and regularly review your house insurance India policy. You can estimate the replacement costs, inform the insurance company, and purchase an insurance rider. This will come at a slightly increased premium, but it is absolutely worth it and will give you complete peace of mind.

Click HERE to buy house insurance India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Life is full of unexpected twists and turns, and medical emergencies are among them. And the rising healthcare costs in India make a health insurance policy obligatory.

However, with so many alternatives available, selecting an insurance policy that fits the needs of people having pre-existing diseases cannot be easy.

What does pre-existing illness mean?

Pre-existing illness refers to the medical conditions the insured has before investing in a health insurance plan. A few examples of pre-existing illnesses include diabetes, hypertension, thyroid, cancer, etc. The insured must be transparent about all pre-existing health conditions with the insurance provider while purchasing the policy.

Here's a quick breakdown of the factors to consider when purchasing the best health insurance policy for you and your family considering pre-existing conditions.

1. Inclusions of the plan:
Selecting a policy that covers everything under the sun is unwise. It is always better to choose specific features. Further, you must also check what is or isn't covered by the insurance company if you need to file a claim with pre-existing health conditions.

2. All necessary costs to consider:
It is always best to control the price of your health insurance premium. You wouldn't want the cost of your medical bills to spiral out of control. Remember that you need hospitalisation coverage as well as outpatient coverage to get better benefits in the long run. People with pre-existing conditions need to consider the policy that addresses insurance benefits for such features.

3. Taking health insurance at the earliest:
Some people think they will get a health policy when they reach their fifties or sixties. However, this is a dangerous assumption. Going in for health insurance at a younger age can help you save substantially on the premium because insurers are often more willing to offer discounts to young and healthy individuals.

4. The waiting period:
The waiting period is an essential feature of your health insurance policy. You should check whether the company offers any waiting period and, if there is one, how long it is. Typically, you must pay a waiting period, and your insurer will reimburse you.
Insurance providers don't easily offer health coverage to people with pre-existing illnesses. The waiting period for pre-existing diseases ranges between 2 to 4 years. You can avail of the pre-existing diseases coverage after 48 months from the diagnosis of your pre-existing illness. You need to verify your insurance provider's terms and conditions to make claims during the waiting period.

5. Exclusions of the plan:
While selecting a health insurance policy, it is essential to understand the exclusion clause of the plan. This clause is applicable only in specific circumstances, and you must be certain of it before signing up for the policy. Some common exclusions include having health issues caused by excess weight.
Further, ensure you know of any service exclusions under any particular policy. For instance, if you require a specific type of care, it may not be covered under the plan. Sometimes, it is better to go for a higher-tiered plan to get above-the-line coverage to avoid such complications.

6. Hospitalisation coverage:
In addition to medical and diagnostic care, you need hospitalisation or short-term coverage. It is crucial because adverse effects of pre-existing diseases can make you visit the hospital. It would be best if your plan provides coverage for these needs.

You now know that the pre-existing condition clause is an aspect you must check before selecting a health insurance policy. It states whether the insurer will cover your medical expenses if you are diagnosed with a pre-existing condition in the future. It is crucial to research this clause thoroughly before opting for the plan. However, the most important thing is to invest in reliable health insurance because it provides financial security in medical emergencies for you and your family.

Click HERE to buy the best health insurance to deal with pre-existing diseases.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

If you want to do something good for humanity, you do not have to deal with arduous tasks. You can reach a blood donation camp and donate your blood. A drop of your blood can be life-saving for others. A report claims that India requires five crore units of blood daily. The same report also reflects that someone requires blood every two seconds.

Since there is no substitute for human blood, donating it is essential for everyone and the only option. Nevertheless, blood donation has a few surprising physical benefits, which we will cover further as this blog progresses. Staying fit is not an illusion. One can achieve and manage it by indulging in regular exercise, a proper diet, and sound sleep. Along with occasional blood donation, every health-conscious person should focus on health insurance policy renewal.

In the following section, find some surprising health benefits of donating blood.

1. A free health screening:
Blood donation ensures a free health screening for the donors. Routine tests have become costly in private laboratories in India. As a result, people do not undergo frequent health check-ups to save money. Not doing this can lead to non-identification with various complex diseases. Diagnosing such diseases early can help in better management and quicker treatment.
A blood donor undergoes a mini-physical examination before the donation process. For example, the screening test includes checking pulse, haemoglobin level, blood pressure, body temperature, etc. The screening test is free, and the test helps to know a few physical complications that were not known to you earlier.

2. Reduce the harmful iron storage in your body:
According to research, one out of two people are vulnerable to hemochromatosis, a physical condition due to iron overload. Most of the time, it is a genetic disease, but you can prevent it from happening by giving blood regularly.
Hemochromatosis patients need to undergo a treatment that removes additional red blood cells from their bodies. Instead of undergoing such a treatment, you can easily reduce iron storage by donating your blood regularly.

3. Reduce the risk of heart diseases:
Donating blood might lower the chance of heart disease, but it doesn't mean that regular blood donors will never get heart disease. According to the studies, a regular blood donor can reduce heart attacks by 80% through blood donation. Various medical research teams have noted that excessive iron in the blood increases the risk of heart attacks. As stated above, donating blood reduces excessive iron storage in your blood.
As a result, donating blood can prevent the risk of heart attacks. But it doesn't give you any guarantees this way, and you still need to stick to your workout and diet plans to avoid heart attacks. People with good heart conditions can obtain low-cost health insurance policy renewal deals.

4. Prevent the risk of cancer:
Cancer is one of the diseases that are fatal and difficult to deal with. A large number of people develop blood cancer. But did you know that you can reduce the risk of blood cancer to some extent through regular blood donation?
Various studies have revealed that blood donation can reduce the risk of blood cancer since it reduces the risk of hemochromatosis. Patients with the peripheral arterial disease have the highest risk of developing blood cancer, and donating blood regularly can lower this risk.

5. Psychological and social benefits:
Many researchers have also found psychological benefits of donating blood. Donating blood is a noble thing, and it can bring mental satisfaction. Many people want to work in favour of humanity, but they cannot find ways of helping others. Donating blood is the best way of helping others, as it can save a life in an emergency.

Keeping the body and mind healthy is the best way of living, and blood donation impacts both body and mind. You will feel healthier and mentally happy after donating blood. You should consider various other ways to keep your health in good shape. One way to do so is by investing in reliable health insurance. Always remain up-to-date regarding the health insurance policy renewal and avoid it from lapsing.

Click HERE before you miss out on your health insurance policy renewal.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Today's youth have an unhealthy obsession with eating junk and processed food. Call it convenience or lack of time; people often prefer to eat readily available food. But what everyone seems to forget is that, unless you do not have a well-balanced diet, your body fails to produce the required energy, and you end up feeling lethargic and tired.

Food from cafes and restaurants sound mouth-watering and delicious, but they significantly lack the right amount of nutrients, minerals, and proteins, leading to various deficiencies in your body. These can cause multiple health issues and have irreversible implications for your body.

This article will look at all the common deficiencies and how to take care of them.

1. Vitamin D:
If you experience fatigue, muscle pain, and brittle bones, your body is deficient in Vitamin D. Vitamin D is extremely important for keeping your bones strong. The calcium and phosphorus in your body can be absorbed by your bones only if your body has ample Vitamin D.
Weak bones can lead to low bone density and frequent fractures and injuries. An adult needs at least thirty minutes of direct sunlight daily. It is best to catch morning or evening sunlight for the best results. The afternoon sun is harsh and can cause dehydration, allergies, and fatigue.

2. Vitamin A:
Dry skin, dry eyes, compromised vision, and infections are some Vitamin A deficiency symptoms. Vitamin A is vital in maintaining your body's growth, immune system, and reproductive health. It keeps your heart and lungs working properly.
Vitamin A is also responsible for various daily replacements of skin cells and ensures that enough mucus is produced as a barrier to infections. Foods such as fish, egg, carrots, mangoes, papayas, spinach, etc., are high in Vitamin A and should be taken regularly to ensure proper body health.

3. Vitamin B12:
Extreme lethargy, pale skin, breathlessness, headaches, etc., are symptoms of Vitamin B12 deficiency. Your body needs vitamin B12 for several processes, including DNA construction, energy production, and the functioning of the central nervous system. Chicken, fish, milk, and other dairy products are excellent sources of Vitamin B12. In some cases, the deficiency is caused by improper absorption of the nutrients by the body. In such cases, the doctor might suggest an alternative dosage of injections to balance the B12 levels in your body.

4. Protein:
Hunger, weakness, fatigue, skin and hair problems and weak immune systems are symptoms of protein deficiency. Every basic cell structure requires protein for survival, which is why protein is considered the building block of life.
Protein is vital to help your body repair and regenerate new cells. Eggs, poultry, milk, and dairy are some common and readily available dietary options.

5. Iron:
Pale skin, weakness, inflammation of the tongue, weak nails, and chest pain are some symptoms of iron deficiency. Iron is essential for the overall growth and development of your body. It is responsible for maintaining the hemoglobin levels in RBCs or red blood cells.
Seventy percent of the irons found in your body are found inside the red blood cells. Some examples of food with high iron content are spinach, chickpeas, quinoa, and broccoli.

These were a list of the common deficiencies in humans worldwide. Healthy eating habits and regular exercise are imperative for everyone, regardless of gender and age. Another habit that can keep you in the pink of your health is purchasing insurance. Buy a health insurance policy for family and have an added protection to help yourself against any expenses you might incur regarding medications, tests, or consultations.

Health issues can significantly drain your finances and leave you stressed physically and emotionally. By keeping insurance handy, you can positively deal with these issues and make your move towards a healthy life.

Click HERE to buy a health insurance policy for family.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

The honeymoon is one of the most important and beautiful periods of marital life. It gives the couple a chance to enjoy each other's company, spend time in beautiful destinations, and make the most of marital bliss. Choosing one of the best destinations for your honeymoon is important so that you enjoy a good time and understand each other well as a married couple.

Many romantic destinations in India can cast a spell over you. They are synonymous with romance, love, and bliss. Since India is such a diverse country, there is no lack of such travel destinations. Whether it is Udaipur's royal palaces or Shimla's snow-covered mountains, there is beauty in every nook and corner of India.

Whenever you take these journeys, you must have an estimate about the general insurance online quote so that you have everything under control and enjoy a safe trip.

If you're looking for the best honeymoon destinations in India, you're at the right place. Following is the list of places that bloom love and entice feelings.

1. Shimla:
If you and your partner want to spend a memorable time on the snow-clad roads of Himachal Pradesh, then Shimla is the ideal destination. It speaks of beauty in every possible way. You can visit the popular Mall Road here and enjoy the aesthetic appeal of this beautiful town.
Shimla is the capital city of Himachal Pradesh and is easily accessible by road from Kalka and Chandigarh. To make the journey more exciting, you can opt to travel from Kalka to Shimla through the scenic route on a toy train.

2. Andaman and Nicobar Islands:
Andaman and Nicobar Islands are one of India's most popular tourist destinations for adventure enthusiasts looking for an island paradise. It provides an enthralling experience that will leave you asking for more.
You can relax with your partner on the golden sands of the beaches or watch the mesmerising sunrise sipping hot coffee together. If you're interested in water sports, you will love this place. From scuba diving to parasailing, there's a lot to explore here. You can easily reach here by air to Port Blair airport.

3. Dalhousie:
Known as the "Little Switzerland" of India, Dalhousie is a beauty in itself. With its lush green valleys and serene surroundings, this town will urge you to stay a little more. The surroundings are so beautiful that you will click many pictures with your loved one here. You can also indulge in hiking, trekking, and camping while you are here.

4. Darjeeling:
Located in West Bengal, Darjeeling caters to the largest tea plantations in the country. It is also home to the largest toy train service in India. Newlyweds can enjoy a blissful evening with their partners in the lush green valleys of Darjeeling. There are also many monasteries to add to the serenity of this town.

5. Udaipur:
If you're a history, royalty, and culture fan, you should visit Udaipur on your honeymoon. It is bestowed with the beauty of several lakes, forts, and palaces. The architecture of the palaces here is not only magnificent but rooted in culture. You can watch the sunset from Fateh Sagar Lake as you spend quality time together.

India offers a lot of options in terms of honeymoon destinations. Couples can never get enough of these breath-taking locations. They have beauty, culture, history, nature, and above all, love. They are perfect for newly married couples who want to experience marital bliss.

Safety is the most crucial aspect, especially when travelling with your partner. Ensure you have a good idea about the general insurance online quote in India and invest in a plan that provides an all-around travel insurance for you.

Click HERE to get the best general insurance online quote.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Indians love having a high-calorie diet without balancing it with an equal workout regime. The direct result is the building up of belly fat. Inadequate sleep, hormonal imbalances, and our family history can also add to this problem. Most of us suffer from it and would surely want to get rid of that extra fat bulging out around our belly. The big question is how?
Yoga is the most straightforward answer to this problem, which is also great for your mind and soul.

Let us go through some yoga poses to help you instantly burn your belly fat.

1. Chakrasana:
Also known as the yoga wheel pose, it is a strong back-bending yoga asana in which your body takes the shape of a wheel. There are several advantages of this asana. It tones the abdomen by stretching the stomach muscles and helps lose belly fat. It strengthens and increases the elasticity of the spine. Also, it boosts your appetite and cures digestive problems. This yoga pose ensures that all your body organs function correctly and you become fit and healthy.

2. Baddha Konasana:
This asana is also known as the cobbler’s pose and is one of the simplest to perform. It stimulates your abdominal muscles, improves digestion, and burns belly fat while strengthening your knees and thighs. It helps open up the lower back area and relieves sciatica. This pose improves the overall health of the ovaries, prostate gland, kidneys and bladder.

3. Naukasana:
We also call this asana the boat pose. This asana can strengthen abdominal muscles, cure constipation and improve digestion. This helps to take care of belly fat while strengthening the arms, thighs, and shoulders. It improves blood circulation and is excellent for the back muscles. This pose stimulates the pancreas, kidneys and liver and is good for the prostate and thyroid glands.

4. Padahastasana:
A great asana to begin with, you simply need to stand straight and bend forwards to achieve the proper posture. This simple asana is excellent for the heart while burning your belly fat by putting pressure on it. It massages your digestive organs and cures constipation and indigestion. This pose stimulates the spinal nerves and tones them. It is also helpful for nasal and throat diseases. It is an excellent asana for increasing vitality and metabolism and boosting concentration.

5. Uttanpadasana:
This asana is good for taking away excess accumulated fat from your belly and hips region and toning it. It is beneficial in curing your back pain and improves the flexibility of your spine. It also strengthens your abdominal muscles and organs and improves the functioning of your reproductive organs.

Yoga is the perfect answer to help you burn belly fat. Moreover, yoga keeps your mind alert and fresh and has several other advantages for your entire body.

While practising yoga is an excellent way of keeping medical issues at bay, it may not completely prevent such occurrences. Therefore, buying a health insurance policy becomes necessary to take good care of yourself and your family during medical emergencies. It acts as a cushion and gives you comfort and backup when you or your family members need any expensive medical treatments. Choose the best health insurance company in India upon which you can rely blindly in times of need and stay safe.

Click HERE to buy insurance from the best health insurance company in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

We all have enjoyed either bursting firecrackers at the festival of Diwali or watching firecrackers on different celebratory occasions. They are mesmerising and create a view that holds the entire audience together. The beautiful patterns they generate in the sky, the vibrant colours, the sound, the light- everything livens up the vibe and brings happiness to people no matter where they might watch.

While firecrackers are a lot of fun to watch and play with, they are quite dangerous to handle. You need to be aware of the consequences they might have. But there are times when, due to no fault of your own or the designated person handling the crackers, you might have a minor or a significant slip-up and can get hurt. Are you looking for more information on how to treat such injuries after the entire episode? Go through the pointers below and find something to help you handle the injury better. Let's start!

1. Pat down gently:
If someone's clothes catch fire, you need to pat them down gently or roll them up in a blanket to avoid the fire from spreading to other parts of the clothes and the body. Using the blanket or patting them down cuts down the oxygen supply for brief moments, which would help dial down the fire. .

2. Check for burns:
Determine the level of burns the firecracker accident caused. Skin acts as a defence wall between the organs and the fire but if the layers of the skin are severely damaged, immediately rush to the hospital. If the burn looks manageable, clean the area using non-irritable antiseptic liquids and a soft cloth or cotton pad.
Once appropriately cleaned, apply burn-related ointments (for example, Neosporin) and let it dry or wrap the area lightly with bandages. If you are rushing to the hospital, it is better to leave the wound open.

3. Use water first:
Water helps cool down the burnt area, helps in relaxing, and gives a numbing break from the heat and pain. Wash the burnt site before you go ahead with the cleaning and the first aid procedure.

4. Burnt clothes can get stuck:
Fire accidents can cause your clothes to stick to your skin while they are on fire. Do not hurry and try to rip off the burnt part of the clothes. Chances are they are charred and stuck to your skin. Ripping them off like a bandaid might backfire as they can cause skin damage to the burnt area. This might further increase the injury level and cause bleeding and pain escalation.

5. How to treat the scarring:
Often, severe burns cause scarring on your skin, which can be difficult to eliminating. In such cases, you need to use some recommended ointments (refer to your dermatologist) and use an adequate amount of sunblock or sunscreen creams that will suit your skin type without adversely affecting your injuries.

6. Protect the burn from dust:
Dust particles might settle on the scab of your wounds or burns. While they might not noticeably cause damage to the skin if you don't have skin allergies. They can cause irritation and burning sensation as your skin is quite damaged, and the external layers might have worn off due to the injury.

It would be best if you were extremely careful around firecrackers. No matter how much fun they are to watch and play with, a certain degree of safety has to be maintained to avoid accidents. The tips mentioned above were some steps to take care of after a firecracker accident. You need to be watchful about your safety. Get a personal accident insurance policy for yourself and your loved ones to add a layer of protection against these mishaps and stay stress-free monetarily. Enjoyment is necessary, but not at the expense of risking your life. Stay safe while handling firecrackers!

Click HERE to learn more about the benefits of the personal accident insurance policy.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Hectic schedules have evolved into the new normal over time. The constant pressure to excel in various dimensions of life makes it challenging to take a moment out for yourself with an occasional break. For working professionals, no period is cherished more than a long weekend. The joy of a prolonged break from the monotonous daily life is a welcome change, during which many people plan to travel.

Long weekends allow you for short getaways with just enough time to visit places and plan shorter itineraries. Consider these quick tips to plan your solo adventure or family trip on the upcoming long weekends in 2023.

1. Identify a key interest:
Identifying purpose is an essential step in planning for any holiday. Due to time restrictions, satisfying some of your travel bucket list goals may only be possible. Therefore, pursue the top interests from your priority list. This may be nature observation, seeking the thrill of adventure, or a leisurely getaway. Identifying the purpose of the trip helps plan efficiently and narrow down choices of the destination and itineraries.

2. Plan your trip loosely:
We tend to do excessive planning to experience a perfect holiday. While that may help for more prolonged travel plans, tightly packing your schedules on long weekend trips often leads to disappointment. It is ideal to choose a couple of destinations or popular attractions to explore per day instead of allocating timelines to each activity.

3. Travel light:
Short trips often call for impulsive decisions on the move. Travelling with required luggage instead of excess will help you travel quickly at the spur of the moment without considering modes of transportation. Consider choosing backpacks instead of conventional trolley bags.

4. Make reasonable budgets and plan accordingly:
Travellers often underestimate the expected expenditure of trips, irrespective of duration. Analyse your finances before making decisions and set clear limits for budgeted costs. This way, you can plan accordingly without letting your finances take a hit and don't have to compromise on the experience!

5. Consider immersive travel:
Experiencing an unknown culture is the best break from your routine. Immersive travel is slowly gaining popularity as tourists shift their priorities from extravagant, luxurious trips to authentic, local exposure. These trips do not require excessive planning or budget and will leave you with memories that last a lifetime.
Additionally, ensure to get a general insurance online quote if you don't have the policy to cover any accidents that may occur while travelling.

6. Explore your alternatives while booking:
We advise planning for your long weekend trip in advance to avail the best deals on accommodation, commute, and activities. Booking facilities at the eleventh hour often means paying inflated prices due to the high demand for hotels. Use online price comparisons for hotels and excursions to get the most significant value for the cost.

7. Make use of your time efficiently:
We get it; being on vacation means steering clear of routines and alarms. However, wake up early to experience destinations around nature, outdoor activities, and local explorations to make the most of your long weekend. But if you're on a leisurely break, feel free to sleep and replenish your energy!

The perfect long weekend trip does not require excessive planning. Consider the above tips, and get a general insurance online quote to protect yourself and your loved ones to plan the most rewarding weekend trips. With multiple long weekends coming in 2023, get ready to ignite the traveller within you. Create a flexible itinerary focused on your interests without stressing over time- and you have an ideal travel plan customised just for you!

Click HERE to get the best general insurance online quote.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

India is known to be a country full of diehard sports enthusiasts. Indians have a massive fanbase for cricket, badminton, tennis, and hockey players, to name a few. Over the years, as interest in sports has picked up, so has the interest in participation. While our international representation in renowned championships has grown, so has the focus on sports in schools. Presently, there are several opportunities for people of varying ages to explore various sports at their convenience and budgets.

One common risk in most sports is the occurrence of accidents. While sports require a certain level of competitive spirit and fierceness, it must be done carefully to avoid injuries. Be it minor or significant- an accident can alter a sports person's life and future opportunities. Besides the fun and excitement, safety is the most crucial aspect of sports.

Since accidents can occur to people involved in sports, purchasing a personal accident cover is advisable. In addition to it, sports players should put in extra effort to find the best personal accident policy in India to cover any costs allied with accidental injuries or death.

What is covered under personal accident insurance?

A personal accident policy covers medical costs that arise due to accidents. Accidents in sports are inevitable and often result in high medical expenditure. Purchasing a plan that covers the cost of hospitalisation and compensates the insured or the legal heirs in case of partial or permanent disabilities is prudent. While the formerly stated patients receive periodic pay-outs, the policyholder's family who dies due to an accident is entitled to a lump sum payment.

It also covers medical bills for frequent accidents like burns and fractures, legal processing, funeral, and child education expenses if opted for as an add-on to the policy.

Insurance policies have evolved over the years to include injuries occurring due to sports, except for adventure sports, which have more significant risks and mortalities. Upon closer observation of the fine print of the best personal accident policy in India, you may find that participating in any dangerous sports activity is not covered under the policy. Therefore, sportspersons need to raise questions and get clarity regarding what is included and what is not in their accident cover to ensure that their claims do not get rejected.

The need for sports players to purchase personal accident insurance:

With the increasing interest in sports over the years, especially after the pandemic, more people are inclined towards pursuing sports as a fitness hobby or career. Being fit is the new trend, and the easiest way to do so is by engaging in a sport you like as a hobby. Whether you are a newbie to the activity or an experienced athlete, the risk of accidents is ubiquitous for all sports persons engaging in strenuous sports

Since accidents come unannounced, sports enthusiasts must research and find the best personal accident policy in India to derive the most significant benefit. If selected right, there are several benefits of an accident insurance policy. It provides coverage against any liabilities arising from the accident in the form of hospitalisation costs and loss of income for a stipulated period. It may even cover your children's education fees if provided. A key feature is the provision of compensation for disabilities, in which case the insured is entitled to receive a lump sum amount.

Therefore, with due diligence, sports persons can easily discover the best personal accident policy in India to cover potential accidents and compensate them or their families for damages arising from such accidents. Injuries are a part of the journey of a sportsperson. Rather than running away, they must face it and conquer every fall to achieve success one day!

Click HERE to buy the best personal accident policy in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Defensive driving is the technique in which you drive cautiously and smoothly, minimising the chances of engaging in an accident and damaging your car and that of third parties. Car accidents mainly occur due to reckless and rash driving. A defensive driver ensures that he drives carefully so that he does not engage in a collision.

Let us see why it is important to practice defensive driving and how it can benefit us.

1. Safety and security:
Defensive driving is necessary for your safety, security, and other vehicles on the road. Moreover, it can also save pedestrians around your vehicle from injuries and loss of life. It is an art that comes with planning and regular practice. You need to scan your surroundings and be alert while slowing down or changing lanes so that you do not collide with other cars on the street. A defensive driver believes that other drivers on the road can commit a mistake anytime while driving. Hence, he practices being perfect and better than them to leave no margin for errors.
Accidents prove very costly as you will have to get your car repaired if you meet with an accident. Raising an insurance claim for minor repairs is not advisable as you might lose on your NCB (No-claim Bonus). You will have to bear the cost of repairs and maintenance and the loss of time and effort spent on repairs. There is a high risk of loss of lives and valuable property in case of a severe accident. If you are a defensive driver, you can avoid such situations and practise disciplined driving.

2. Better mileage:
The most common reasons for poor mileage in a car are accelerating abruptly and driving in the high rpm range. You can go fast and enjoy the speed but will burn a lot more fuel and experience poor mileage in return.
A defensive driver always drives at a controlled speed, accelerates softly and maintains an economy rpm range that gives the best possible mileage. Also, he ensures that he does not brake abruptly and changes gears frequently. This helps to save on fuel costs and also prevent accidents due to over-speeding.

3. Low maintenance cost:
A defensive driver drives cautiously and with care to avoid getting hit by another vehicle. Because accidents pose a huge threat of scratches, dents, rubs, etc., on the vehicle that requires an immediate fix. Your car wouldn’t require frequent servicing because of your cautious driving style. You can benefit a lot from the low cost of maintenance and repairs.

4. Fewer traffic challans:
A defensive driver ensures that he does not skip red lights on crossings, over speeds, or enters a one-way road negligently. He is a vigilant and responsible driver. Hence, it is important to practice defensive driving as you will get none or very few traffic challans and save a lot of money and time.

Defensive driving is a skill that can be developed with constant practice, and by promising ourselves that we will not engage in brawls and fights on the road. Also, you must avoid changing lanes frequently, use proper and timely indicators and signals, and stay away from distractions such as the mobile phone while driving.

Good car insurance will benefit you in several ways. It takes care of your safety and security and helps you save on unnecessary repairs and maintenance expenditures in case of an accident. Also, you don’t need to go through emotional trauma and monetary loss if your car gets stolen, as your comprehensive insurance policy will take care of the financial loss and reimburse it. Buy car insurance online and stay stress-free by having a reliable safety net for your vehicle.

Click HERE to buy car insurance online to protect your valuable asset from damage.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

India’s passenger-automotive industry was valued as the third-largest globally in 2022. While the market for new cars is predicted to grow at a higher rate in 2023, not all Indian consumers are covered under this segment and belong to relatively lower economic strata characterised by lower disposable incomes. Such buyers drive demand for second-hand or used cars.

Expected to grow at a CAGR of 15%, the Indian used car market is not to be undermined. With global economic conditions' uncertainty, making prudent choices such as buying second-hand cars and purchasing online car insurance is expected to continue. While you can derive significant value from pre-used vehicles, the chances of getting scammed are also higher in case of negligent inspection. Odometer tampering is a prevalent form of cheating that you must beware of while purchasing a used car.

Here’s all you need to know about tampered odometers and tips to detect them.

Defining mileage tampering.

An odometer is a device that measures the usage of a car in terms of the distance it has run. It is calculated based on the wheel's rotation, which depends on its perimeter.

Mileage tampering, or odometer fraud, is a common trick car dealers use to persuade buyers to purchase old and well-used cars. Practised for various reasons, rolling back an odometer is an illegal act done to get a better price by selling a used car.

The issue with odometer fraud.

1. The inflated price of used cars:
By misrepresenting the car’s present condition, car dealers trick buyers into believing that the vehicle is relatively unused and sell them the used car at a higher price.

2. Safety issues:
Apart from the price of the vehicle, it also raises safety concerns. A car that has been used for a long while is sure to have accumulated miles and been through its fair share of harsh weather, rough terrain, and occasional accidents. All these factors are likely to adversely impact the vehicle's internal components and body frame, making it unsafe in the long run.

3. Insurance fraud:
Buying a used car with a rolled-back odometer may put you at risk of online car insurance fraud. While you may not have intentionally misrepresented facts and may be the victim of a tampered odometer, insurance companies see facts at face value and do not consider earlier activities. Therefore, it becomes essential for you to declare genuine and accurate mileage figures related to your car while buying online car insurance to ensure raising a successful claim when needed.

Tips to avoid odometer fraud.

1. Check the service records:
Before committing to purchase an old car, ensure that you check the maintenance records. Missing entries and figures that don't match are a sign to look out for.

2. Inspect the car body:
Check if the car's physical condition aligns with the story represented by the odometer. A worn-out, dent-ridden, paint-scratched vehicle is bound to have been on the roads for longer than one in pristine condition.

3. Look under the steering:
What are some key giveaways of a well-used car? It's the accelerator, brake and clutch! The groove depths of the pedals can indicate the usage of the vehicle and help detect odometer fraud.

4. Check the odometer:
While there are no tell-tale signs, the naked eye can identify a poorly done tampering job. This could be in the form of ill-fitted modifications and off-sounding odometer mechanisms.

5. Experts know best:
If you're sceptical, asking for an expert’s evaluation is best. This way, analogue or digital odometers can be thoroughly inspected for tampering attempts.

Odometer tampering is widespread and spares neither digital nor analogue devices. In such cases, one must always exercise caution and take necessary precautions to detect issues before signing the dotted line. Additionally, continue your prudent streak and purchase online car insurance to protect yourself from the financial losses from car accidents.

Click HERE to buy online car insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Technology is everywhere, and the world has already seen the drastic changes that technology has brought with it. Some hundred odd jobs are expected to be extinct in the next ten years because of the intervention of technology. But what are your benefits? Can you use technology to make things easier for you? These are only some of the many questions that people keep wondering about.

This article will help you understand a small aspect of the tech world that will immensely contribute to your daily life and why you must consider getting your hands on them immediately. Today, we will discuss home automation and why it is a game changer for an urban household.

1. Being in command:
Do you not hate leaving your comfortable sleeping position just to turn off the lights? Well, what if a simple command could achieve that. With home automation, your voice or mobile is the only thing you need handy to get things done around your home. Be it controlling the lights, music, volume, brightness, or the AC. Everything can be made convenient and hassle-free at the convenience of your fingertips.

2. Better security:
Since all the devices, including your doors, are connected to your phone, you can have 24X7 surveillance of your home. Motion detectors, heat sensors, cameras, and automated locks are some of the straightforward home security solutions you can invest in. You can opt for security alerts when you are away from home in case of suspicious activities.

3. More comfortable:
Imagine walking home on a hot sunny afternoon, and you get home, turn on your air conditioner and wait for it to cool the room before you can rest. With home automation, you don’t have to worry about that anymore. You can use your mobile phone to turn on your AC while being miles away from home.
Not only that, if unexpected guests on your way home join you, you can command your home automation system to turn on the guest lights and AC so that your guests walk into a cosy and comfortable living space.

4. Energy efficient:
A programmable intelligent automation system can analyse your active hours and control lights, cooling, and music based on your everyday routine and suggests the most energy-efficient way of applying these to your routine. Such systems not only help in better managing the resources, but they also help you in analysing your daily habits. With home automation, you can keep a tab of everything and understand the energy consumption rate over time.

5. Monitoring kids and pets:
One of the most important benefits of home automation is keeping an eye on your kids or pets. In today’s day and age, both parents are working parents. Monitoring a child’s daily routine can become stressful while being away from home.
With the help of home automation, not only can you see your children, but you can also interact with them over video calls. The same goes for pets. Various kinds of food dispensers dispense food on time to your pets. These gadgets will help ensure that your kid and pet are happy, healthy, and safe.

These are a few reasons why home automation is a significant investment. Safety, convenience, and comfort are only some factors that make it a must-buy for your home. For an added layer of protection, buy general insurance online. Search for an ideal home insurance policy under the general insurance category to safeguard your home and your family against any potential dangers. Get the best deals online and invest in a secure future of your most important asset.

Click HERE to buy general insurance online.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Zebra crossings worldwide provide pedestrians with a safe option to cross the roads amidst heavy traffic. While road rules might differ from country to country, the purpose of zebra crossing stays the same. When drivers see people waiting to cross the street at one end of the black-and-white stripes, they usually apply their brakes to allow pedestrians to cross the road.

However, unfortunately, most drivers tend to ignore the zebra crossing, nullifying the purpose and putting the safety of pedestrians at risk.

Skipping the zebra crossing deprives pedestrians of the chance to cross the road safely. And being ignorant on the road isn't just a threat to pedestrians; it also puts your vehicles at a high risk of damage. To avoid landing in such trouble and causing significant damage to your car, you must follow the traffic rules strictly and consider getting car insurance India to prevent monetary stress in unprecedented situations.

Where does the problem lie?

Many drivers don't obey traffic lights and make an emergency stop over the zebra crossings, making it hard for pedestrians to use the approved crossing path on roads that are already crowded. Surprisingly, although zebra crossings are present at busy intersections, traffic officials are somehow lenient toward automobiles occupying zebra crossings.

As a result, when attempting to cross the road, people frequently need to use their running skills to safely reach the other side without being hit by any vehicle. When the traffic lights malfunction, it becomes more challenging as the traffic is set loose.

Due to the chaotic traffic, school children wait several minutes to cross roads safely. Most kids assume that because they have learned about zebra crossing since they were little, cars will stop so that they may cross. However, the truth is different.

Unfortunately, many drivers don't know the importance of zebra crossings, and even the public works department doesn't care enough to paint them often. Public awareness campaigns on traffic etiquette are required.

Determining the requirement of a crossing.

Zebra crossings are used on roads with much traffic and where fewer people can cross the road at signal-controlled crossings. Many surveys of busy traffic intersections reveal that pedestrians find it extremely difficult to cross the road.

Also, personal injury accident data showed that most common accidents involving pedestrians happen at busy crossings.

If you're a pedestrian waiting at zebra crossings, then remember to:

● Give incoming traffic plenty of time to see you and stop before crossing

● Wait until both directions of incoming traffic have stopped or the road is clear before crossing

● Look for the traffic signals and avoid crossing in a hurry

If you're a driver, then remember to:

● Watch out for the traffic signal from far and accordingly prepare to halt

● Avoid halting over the zebra crossing and keep it clear for pedestrians to walk

● Never jump the traffic signal

Additionally, keep in mind that:

● Normal drivers tend to ignore crossings that are not frequently used

● Drivers require more time to manage their vehicles when the road is slick

● Cross the street only when the traffic is stopped

Drivers must keep all these things in mind while driving and follow the rules carefully to avoid collisions with pedestrians. Be responsible, follow traffic rules religiously, and avoid over-speeding on the roads. Prioritise your safety, fasten seat belts before beginning your journey, keep all the required documents handy, and purchase a valid insurance policy. Buy the best car insurance India not just because it is mandatory but more as a financial shield to protect you and your valuable asset in case of accidents.

Click HERE to buy reliable car insurance India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Owning a car is a huge responsibility, and one should take all the necessary measures to make it as easy as possible. One such important requirement is to get car insurance as soon as you purchase a car.

Getting car insurance is necessary, as it protects you from various damages caused to the car, such as repairing a broken windshield or paying high mechanical costs due to an accident. To get car insurance, one should complete all the necessary procedures, like KYC which stands for Know Your customer.

What is KYC?

Know Your Customer (KYC) is the process of discovering and authenticating the basic credentials of customers by financial establishments like banks, insurance companies, stockbrokers, etc. KYC is typically performed before or during the handling of financial transactions with customers. For example, when applying for car insurance, a KYC is mandatory.

IRDAI-accepted KYC procedure types.

KYC in insurance has become a mandatory requirement by the IRDAI due to the increasing number of insurance-related frauds.

IRDAI has authorised the following KYC methods for the insurer:

● Aadhaar-based KYC

● Digital KYC

● Video-based identification

● By KYC identifier

● Pan card

Depending on the type of car insurance, the insurance company chooses the appropriate KYC method.

Why has KYC compliance become mandatory for car insurance?

As mentioned above, due to the rise in insurance-related frauds, the government of India has made regulations to make KYC mandatory for every type of insurance, be it car insurance or life insurance.

KYC is necessary to ensure the authenticity of the investments and the insurance policy purchased by the individual. It ensures that the insurance coverage is received by the family of the genuine policyholder and not by an imposter.

Insurance companies are required to verify a customer's identity before proceeding with the insurance registration procedure. Strict implementation of the KYC process is an efficient method that allows the banks to authenticate the identity of the customers.

If you plan to purchase a car, the first step should be buying car insurance using the KYC procedure.

KYC documents required for car insurance:

● Passport

● Aadhar card or Voter ID card

● Pan number

● Driving licences

● Bank Statement—not more than six months old

● Verified copies of an electricity bill, a telephone bill, and registered lease and licence agreements

● A letter from the National Population Register containing name and address information

The insurance company will inform you beforehand if any other document is required. Collect all the required documents and get your insurance without any trouble.

Prevent the misuse of your KYC documents.

Submitting your KYC documents is a necessity that brings with it the threat of identity theft. Here are three simple steps to prevent the misuse of self-attested KYC documents:

● Clearly state the date and intended purpose for submitting the documents.

● Similar to the crossing of cheques, specify that the documents are ‘To be used only for the specified purpose’.

The recent wave of digitalisation has made it possible to keep track of all financial products including investments, insurance policies, etc. Regular inspection of such KYC documents makes it easy to detect the mishandling of important documents that may have been used by an imposter.

Purchasing car insurance may appear to be a time-consuming process, but it is a necessity that everyone should obtain for their vehicle's safety. During unprecedented situations where the outcome is unpredictable and could lead to hefty damages to the car, car insurance would act as a rescue and help you steer clear of the monetary stress. As a result, you must investigate your options and purchase the best car insurance for your needs.

Click HERE to learn more about the benefits of car insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Winter brings with it a change that most people welcome. The cold temperatures and delightful food choices make it a pleasant period of the year. Despite the enjoyable climate that makes one seek warmth and comfort from cosy cafes and piping hot winter delicacies, it is a time that you must watch out for health issues.

The drop in temperatures and shortened daylight leads to frequent sickness. In such times, taking good care of your well-being and purchasing a health insurance policy is key to saving on medical costs that may arise due to contingent illnesses. If not taken good care of, health in winter can take a toll and become frustrating due to the uninvited expenses.

While maintaining good health, purchasing or renewing health insurance online is the most important tip for preparing for a healthy winter. Here are a few tips you can follow throughout the upcoming winter months to stay fit while enjoying the season the most!

1. Practising good hygiene:
While this may seem like a no-brainer, good hygiene is the easiest way to prevent catching even the most insignificant cold. The low temperatures and damp environment facilitate microbial growth that can lead to compromised immunity, leading to falling sick often. Wash your hands regularly, especially when you visit public spaces and restaurants, use public transport services and washrooms, etc.

2. Focus on your food intake:
Healthy food has been considered preventive medicine and fuel for one's body, especially in the Indian culture. We usually emphasise immunity-boosting foods like ginger, turmeric, etc. Coupled with fresh produce, these foods rich in vitamins and minerals like Vitamin C are sure to reduce your susceptibility to illness during the cold months.

3. Stay active:
Bundling up in your most comfortable blanket with a hot beverage to combat the cold is highly tempting. While your food choices can provide you with most of the required nutrients to keep you healthy throughout the season, some requirements, like Vitamin D, can only be supplied by exposing yourself to sunlight. Even a short walk in the early morning will improve your mood and keep you active and warm.

4. Ensure adequate sleep:
Sleep is an essential factor that is often overlooked when discussing health. It not only helps fight tiredness and stress but also allows you to wake up refreshed and ready to take on another day with new energy. Adults require a minimum of 7 hours of sleep daily. Provide your body with enough rest to recover and rejuvenate to ensure that it can function effectively and keep you healthy.

5. Dress appropriately:
In recent times, it has been noticed that winters aren't as chilly as they used to be. While present temperatures are noticeably less cold than previous trends, it is still necessary to keep yourself warm. Sometimes, our body does not recognise a cold draft, and staying exposed to it without enough clothing is bound to result in health issues.
In these situations where the weather doesn't warrant wearing heavy winter wear, simply layer on a few lightweight fabrics. These will keep you warm against a slight chill without being too heavy.

6. Quit smoking:
For smokers, foggy winter mornings may seem like an invitation to smoke to keep themselves warm. Smoking suppresses the immune system's normal functioning, which puts smokers at greater risk of falling ill in winter. It is best to quit smoking early and keep chest and lung-related problems at bay.

The cold climate makes one feel lazy and dull, but take the time to keep yourself in the best shape possible. Engage in light exercise daily, dress warm and ensure that you consume fresh food that will boost your immunity. While these tips can help prevent diseases, we encourage you to check your health insurance and purchase or renew health insurance online with just a few clicks so that winter doesn't get harsh on you!

Click HERE to renew health insurance online.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

We all must have travelled by road at night, either by choice or due to some emergency. We try to stay awake and attentive while driving, no matter what happens. Then sleep starts taking over. We feel drowsy but continue to drive, feeling strong enough to stay awake with focus. But, this can be a fatal situation for the driver and others on the road.

So how can we avoid sleeping while driving during the night? Let us go through some of the best tips for the same.

1. Do not drive for long distances alone:
Never try to drive alone for over 4-5 hours, especially at night. Always take a co-passenger along who can drive. This has two advantages. Firstly, you can change shifts with him and rest in the middle of a long journey. Secondly, you will have someone to talk to, which will take your boredom away, and you will stay attentive and awake. If you cannot find a friend or a family member to accompany you for the trip, hire a driver and take him along.

2. Do not drive when you are sleep deprived:
Always ensure that you have slept well for at least 8 hours the night before you plan to drive at night. A proper night's sleep keeps you fresh, and you will not feel drowsy when in the driving seat. Sleep deprivation is one of the major causes of making you fall asleep while driving.

3. Park and take a nap:
What to do if you are sleepy but still have to continue your journey because it is urgent? Park your car on the side of the road, and take a nap for half an hour or so. This will do wonders for you and make you feel refreshed, awake, and alert again. Have some water and wash your face to recharge yourself and continue driving.

4. Turn on some music:
Turn on music that you love on your car stereo and hum with the songs. This will keep your mind alert, and you will feel fresh. Music stimulate your brain and keep you mentally awake.

5. Take caffeine and snacks:
Caffeine is a proven stimulant that helps you to stay awake and alert. Take regular coffee or tea breaks during your drive to help you fight drowsiness. Also, you can keep munching something while you drive. Get out of your car, roll down your windows, and take fresh air, coffee, and snacks.

6. Do not drink and drive:
Taking alcohol before or while driving at night seriously threatens your ability to stay awake and drive with focus. It is prohibited, and even one drink will make you sleepy if you have not had a good night's sleep the previous night or are feeling drowsy. You will feel low in energy, start losing concentration and can meet with an accident.

Sleeping while driving during the night can be life-threatening for you, your co-passengers, and even third parties and other vehicles around you. But it can happen to anyone. Sleep is sometimes uncontrollable, but the factors that can make you sleepy are surely controllable. Follow the above practises and have a safe night's journey.

Before heading out on a car trip, you must purchase personal accident insurance in addition to your car insurance. It will cover disablement and bodily injuries, impairment, and even loss of life while travelling. It becomes all the more essential if you frequently travel by road at night as the chances of accidents increase manifold at that time. Do your research well and choose the best personal accident policy in India.

Click HERE to buy the best personal accident policy in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Every industry undergoes some reform from time to time. This can be due to various reasons- changes in the country’s economic conditions, level of crisis, the impact of international and national markets, contribution to the nation’s GDP (Gross Domestic Product), budget regulations and much more. Several types of insurance act as investment plans, help you in a financially stress-free emergency, provide tax-saving benefits, and ensure a secure future for your loved ones and dependents.

Does the insurance sector undergo changes and reforms on a large scale too? The answer is yes. The premiums, terms and conditions, age limits, benefits, renewal, etc., are reviewed and revised when needed. This ensures that the insurance matches pace with the current economic conditions, the situation in the market and the demands of an existing and potential set of customers. And if you are someone who has purchased insurance policies or is planning to explore your options in the sector for all the good reasons, you need to stay updated with the changes.

This blog will discuss the revised terms and reforms you need to be aware of in the insurance industry. So, let’s get started!

The pandemic caught the eyes of the insurance sector reforms:

The covid-19 pandemic brought the entire world to a very unexpected halt. Given the pace of development and technological advancement, the pandemic situation across the globe was beyond the people’s and government’s imagination. While people were under lockdown, several opportunities opened up, and many sectors, mainly fintech, saw massive growth. In the insurance sector, which is majorly categorised into life, health and general insurance, the FDI (Foreign Direct Investment) limit is increased to 74 per cent from 49 per cent as per the new Insurance Amendment Bill 2021 passed in the Indian Parliament.

This was primarily focused on getting more foreign investments onboard. Why? The insurance sector is considered a good investment option. It is a capital concentration with a long development period. It takes at least seven to ten years to start making profits apart from their regular budget, retention and expenditure.

What does the FDI reform ensure:
The FDI reform discussed in the previous point will open up multiple avenues for investment in the insurance sector. This will significantly aid them in growth and expansion, even overseas. The whole loop continues and might attract more foreign interests, thus helping them flourish economically, eventually providing new features and insurance options for the customers such as

1. Pay-as-you-use motor insurance plan has now been ideated into the motor insurance framework. This would enable the customers and policyholders to reduce their premiums as per reduced coverage by availing of the switching on and off options.

2. Health insurance plans have been customised to comprehensively understand the needs of people during stressful times of covid. The comprehensive health insurance policies have incorporated mental health issues, covid-19 problems, modern procedures and treatments, etc.

Health insurance providers have been permitted to raise or reduce the health insurance policy premiums by almost fifteen per cent after three years. This is considered a significant reform in the health insurance sector and the pricing of these policies.

Some other reforms were accomplished regarding insurance awareness programs to ensure that people from the remote sectors of the country know the benefits of insurance policies and can avail a secure future, introduction of digitalisation of KYC and verification processes for the convenience of the existing and potential customers, 24*7 online help assistants, etc.

These were some updated terms and reforms you need to be aware of in the insurance industry. Insurance coverages help secure a financially stress-free situation when you encounter unprecedented circumstances that can endanger your health, assets or life. So, a wise option would be to explore all your options from the comfort of your home and buy insurance policy online that would cater to your needs in the best ways possible.

Click HERE to know more about how you can buy insurance policy online.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Have you ever been driving around and seen someone cutting it too close to your car's bumper? If yes, you are familiar with tailgating. For those unaware of the term, tailgating happens when there is insufficient space between your car and the one in front of you or behind you.

The likelihood of a collision increases with just one forceful brake from the vehicle in front. Tailgating increases the risk of accidents, making it essential for car owners to protect their vehicles. Also ensure that you avail of online motor insurance renewal services offered by your preferred insurer.

While insurance can help you safeguard your vehicle and yourself from financial contingencies, here are some tips to prevent tailgating.

What are the risks of tailgating?

A significant risk of tailgating is that drivers do not provide adequate space to stop if the vehicle in front suddenly decelerates which more likely makes a rear-end collision. A multi-car pileup that starts with one rear-end accident is expected to spread. Accidents involving a rear-end often result in neck and back injuries.

Another risk of tailgating is that it can create pressure on the vehicle's driver in front to apply the brakes to dissuade the tailgater. When the front driver performs what is known as a brake check, an impending collision may result if the foot is held down for even a brief period. In the worst case, brake inspections can also spark road rage among tailgaters.

Ways to prevent tailgating.

Driving too close to the car in front is the main reason for tailgating. Maybe you're upset or impatient and hurried. Whichever one it is, tailgating puts you and other drivers in danger every time.

Here are some tips to help you maintain a safe distance.

1. Understand the distances you often stopover:
The variation depends on how quickly you're moving. You might get into problems if you can't stop in this amount of time. Remember that stopping distances increase in wet circumstances, so be cautious and give the car in front of you enough room. You should raise the spacing by up to 10 times on slippery roads and at least double it in wet conditions.

2. Maintain your calm:
Avoid venting your frustration to other drivers if you feel irritated, furious, or exhausted. Stay at home until you feel better, or pause to unwind and regain focus before resuming your driving. It costs nothing to drive courteously and makes everyone's journeys safer.

3. Make use of your car safety features:
Nowadays, many vehicles feature collision warning systems that warn drivers if they approach the car in front too closely. Utilise such devices, but don't entirely depend on them. Always follow the road regulations rather than pushing your car's technology to its limit.

Driving is a skill that requires significant experience to master. Keeping calm and efficiently managing situations like tailgating is an indicator of an experienced driver. While you may not be able to control other drivers and their behaviour on the road, you can always ensure your vehicle's safety by following the above tips. Also, remember to avail an online motor insurance renewal service or purchase a new motor insurance policy to protect yourself from financial losses due to an accident.

Click HERE to proceed to online motor insurance renewal.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

A lot of stress surrounds the idea of getting your package shipped overseas. Knowing that your cargo will travel a long distance, you will want it to reach its destination safely.

While sending your package overseas, there are a few crucial things that you should keep in mind to save time and effort. The best thing you can do is look for a reputable and trusted cargo shipping company that will take care of your package. If you're sending a cargo for the first time, then there are several things you must know.

While you plan to ship your cargo, consider securing it with reliable marine insurance. For this, you need to be familiar with different marine insurance companies that offer this insurance at the best rates.

And to help you choose the best cargo shipping company, here are a few tips to make the right decision.

1. Competitive prices:
Pricing is one of the first things to consider when you choose a cargo shipping company. It would help if you did ample research about the average cost of shipping overseas.
In this way, the companies will not be able to scam you into paying more than usual. Consider a company that delivers on time and takes full responsibility for the goods to reach safely.

2. Delivery timeline:
The delivery timeline is also very important whenever you ship a package overseas. It can take days, weeks, and even months to reach your desired destination. Before you choose a company, enquire about their delivery timelines and make sure they are reliable and intact. The arrival of the package on the estimated date is significant.

3. Safety:
It is always wise to opt for a cargo shipping company that has been registered and procured a business license and permission from the concerned government authorities. Make sure to research it in advance, so you do not lodge yourself in a possible scam later. Try and track down customer reviews and feedback as well. Your package will be valuable and worth thousands of rupees. Safety is essential and it should not be compromised in any way.

4. Reliable insurance:
Your package should have good insurance to back up its security. Go for marine insurance companies that provide comprehensive and hassle-free coverage for your cargo package. This ensures that you get compensation, if things, unfortunately, go wrong.

5. Tracking:
Before you choose any cargo company, ask them about tracking mechanisms. In this way, you can follow the whole movement of your package through live tracking status. Your cargo shipping company should provide you with the tracking details. If it doesn't, avoid choosing that company.

6. Customer care:
Every cargo shipping company should have a functioning and active customer care service to answer all your queries related to the shipment. Make sure that you do a thorough background check on the company you are choosing. Select a company with an active customer service with 24/7 support.

When you invest your valuable time, effort, and money in sending the parcel to your family or friends, you always expect it to reach them safely and on time. These tips should be your priority when choosing a cargo shipping company for your goods. Additionally, it would help if you purchase insurance to cover the financial loss if your cargo gets damaged due to mishaps. Research the top marine insurance companies that offer relevant insurance for all your needs, compare their policies, understand the terms, and then make a final decision.

Click HERE to know more about marine insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

In a world riddled with war and crime, it is always good to know that if need be, you can defend yourself. With active crimes rising daily, it is best to have some tips and tricks under your belt to protect yourself and your loved ones. One way to ensure your safety is by enrolling in self-defence classes. There are various kinds of self-defence methods that you can practice, such as karate, krav maga, boxing, judo, etc.

Choosing the one that best suits you and piques your interest can make learning more enjoyable. People have professed the importance of self-defence for women and children, but what is important to remember is that self-defence is for everyone.

This article will examine the importance of self-defence classes and why you should consider enrolling in one.

1. It helps your physical form:
One of the most crucial elements of self-defence is timely reflexes. If you are put in a dangerous situation, your mind and body should manage to work in sync. You can only achieve this with practice. Training can help you inculcate the necessary conditioning and helps you with a better fight or flight response.
Your body prepares for an adrenaline dump with the right amount of practice. Adrenaline dump is a reaction the body goes through in case of unprecedented dangers. Since the adrenaline rush lasts only a few moments, it is crucial to act immediately for the best outcomes.

2. Builds confidence:
When people are timid, they tend to undermine their skill set and are incapable of protecting themselves. Self-defence is an excellent way to build confidence and protect oneself in times of need by believing in their skill set.
Being confident helps you defend yourself and leaves a lasting impression on people. If you are aiming for overall development, self-defence can be extremely helpful.

3. Master discipline:
Excelling in any field requires hours and hours of hard work and dedication. The same applies to self-defence. The more hours you put into mastering this art, the better you will get the results.
The urge to improve yourself can drive you to a dedicated routine, which builds a disciplinary lifestyle. So, taking self-defence classes helps you stay focussed, grounded, and more aware of your surroundings.

4. Fighter instinct:
When faced with life-threatening or dangerous situations, it is best to start acting as early as possible. The quicker you are with your thinking, the sooner you can fight through your opponent or potential threats.
The power and the speed of your attack will help buy you some time before the attacker attacks again. You can utilise this time to escape or attack the opponent to keep yourself safe. These seconds can play a vital role in deciding your survival.

5. Makes you more goal-oriented:
Your goals at any particular time can be as small as achieving the perfect kick or as daunting as escaping a kidnap. Upon seeing an improvement in form, you only want to better yourself and make yourself well equipped to withstand any attack. Setting these small goals can significantly impact your form and energy.

These are a few reasons self-defence should be a part of everyone’s life. If you have children, it is best to give them an early start. We are constantly surrounded by news of mugging, killing, robbery, and kidnapping. Preparing yourself and your loved ones for any such thing is the best way to ensure their safety and welfare.

Another crucial way to ensure full protection for your family is by enrolling in personal accident insurance India. Personal accident insurances are the much-needed safety net that gives fruitful results during emergencies. Your insurance provider will help you financially to avoid an unnecessary burden on your shoulders to deal with the situation.

Click HERE to buy personal accident insurance India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Critical illness insurance covers serious health conditions that require expensive and long treatment. Such illnesses include cancer, paralysis, stroke, organ transplant, heart attack, coma, etc. The treatment for these illnesses can drain your savings and negatively impact your financial condition.

The recovery is time-consuming, beginning from the detection phase to a myriad of medical tests to surgery and then gradually returning to normalcy. All this will cost us much more than any normal health insurance coverage. This creates the need to have dedicated insurance cover for critical illnesses that are affordable and provide robust protection.

Let us look at the best tips for affordable health insurance plans for critical illness.

1. Comprehensive critical illness insurance policy:
A comprehensive critical illness insurance policy gives us a lump sum amount after we submit the required documents to the insurance company. You can use this sum to pay for the treatment cost, including diagnosis, hospitalisation, any surgery in the process, and the doctor's fees. The sum assured under such policy is fixed. Hence, you can plan your insurance coverage as per your specific needs.

2. Buy it as a rider:
You can buy a critical illness insurance policy as a rider to your existing health insurance policy. Hence you will not need to buy a new insurance policy to get this cover. Also, try to get this additional coverage in the health insurance policy provided by your employer to save money.

3. Low cost:
A critical illness insurance policy does not cost us a very high premium. The premium for such policies is much less than that for your regular health insurance. However, these covers provide us protection only for specific situations. Hence, they should never be used as a substitute for your regular health insurance policies.

4. Compare the premium charged:
Always compare the premium charged for critical illness insurance policies of different companies and select the most affordable one. You can do a detailed online search instead of visiting every insurance company's offices individually.

5. Check for the exact inclusions:
Always check the features and the exact inclusions of the policy because they may vary with every insurance company. Do thorough research and list what the policy does not cover. For example, your policy may state that it covers cancer. But it may also be mentioned in the fine print that it will provide a cover for cancer only after it reaches a certain level of severity.

6. Waiting period:
Look for a policy with the least waiting period. Usually, you can raise a claim for a critical illness after 90 days from the date of commencement of your policy. If you have a pre-existing major disease, the cover may start as late as 48 months from the commencement of the policy.

7. Age limit and benefits:
Always ensure the age limit until your policy provides you with insurance coverage. This will be helpful to you when you cross 60 years of age. There are some companies that provide a lifelong cover. Hence, it is advisable to choose such plans. Also, you should assess the benefits of your policy, such as NCB (No-claim bonus), in case you do not make any claim in a year.

Critical illnesses can result in the loss of your job, partial or permanent disability, and leave you with no source of income. The high cost of treatment can result in draining your pockets as the coverage provided by standard health insurance policies is insufficient for such misfortunes. The solution is to go for the best critical illness insurance policy available. The above tips can help you to choose the most affordable health insurance plans for critical illness upon which you can rely in times of actual need.

Click HERE to buy the best affordable health insurance plans in India.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Adventure sports have always been the best option for people who call themselves adrenaline junkies. They give you the thrill that knocks out your everyday life's monotony. There are different types of adventure sports, like river rafting, paragliding, bungee jumping, trekking, rock climbing, skydiving, and much more.

In this blog, we'll discuss parasailing, a sport that has created a special bond with adventure enthusiasts. Parasailing is an adventure sport that gives you the joy of sailing in the air while your parachute is towed by a motorboat or jeep. If you plan to enjoy this activity on your next beach vacation, consider this blog for an enjoyable experience.

1. The weather is an essential factor:
The parasailing conditions need to be suitable, and the timing of the day has an effect. Usually, a clear sky and a less windy time are preferred, so most people plan their parasailing trip in the mornings.

2. Get well acquainted with the equipment:
Knowing your parasailing equipment and its functionalities is a must. Even if you cannot understand the mechanics of the equipment in detail, you should be aware of the purpose of the essential tools which will keep you safe. The life jacket is provided to keep you safe if you need to land in water during emergencies.
The body harness helps keep you seated and is joined to the ends of the tow bar. The harness aids in eliminating your discomfort and helping you maintain a balance during sudden movement shifts. And the tow bar is attached to a parachute to help you glide smoothly and land without any significant danger.

3. Get complete information about the restrictions:
To restrict the risks to the bare minimum, the parasailing institutes set certain limitations regarding the prospective client's age, height, and weight for parasailing. These restrictions are also influenced by certain factors, such as the wind level. Still, you must check in with the guide who will help you to avoid any threats to your health and life.
The minimum age limit for the riders is usually around sixteen to eighteen years, and the minimum weight in case there are multiple riders is supposed to be about 150 pounds. But these limitations vary, so check this with your parasailing guide.

4. Your outfit:
Swimming-appropriate outfits help since they are snug and would help if you land in water or experience waves. But anything comfortable is a must, and the bottoms should fit you well so that you are focused on the experience and not distracted by the discomfort caused by your outfit. These experiences are not everyday things, so you better eliminate all sorts of discomfort, stress, and distractions to make the moment count.

5. Research the company:
Read the online reviews about your parasailing company/institute and check their ratings. You must go to the right agency with all security measures intact, trained professionals, quality equipment, and SOPs to take care of their riders. Always ask all the questions to clear your doubts before going in.

6. Carefully listen to the instructions:
Before they put the parasailing gear on, the guide will give you all the information you need, even though you are riding solo or with multiple riders. They will tell you the landing postures, which part of the equipment will help you ride low, high, turn, etc. Always ensure to clarify your doubts before you begin.

That was the complete guide for people trying parasailing for the first time. As we discussed, while adventure sports allow you to experience the unforgettable, they also involve a certain level of danger to your life. Therefore, browsing personal accident insurance plans as a mitigation strategy for unpredictable circumstances is essential. Choose the one that suits you best before planning your adventure trip.

Click HERE to learn how you and your friends can get personal accident insurance plans.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

With the temperature rising continuously, it is becoming harder to eliminate using air conditioners in our homes, offices, malls, and even our four-wheelers. Imagining life without ACs can be daunting to sustain the heat. Remember that one day when you got into your car, and you realised that the air conditioner was not working? It did feel like you would melt away. Winters are still a bit bearable, but travelling during summers and monsoons without the air conditioner in your vehicle can be an awful experience.

So, how can you predict your car's air conditioner is wrecked? Which part of the air conditioner would you need to change, and how would you know? Don't worry. This blog will discuss all the symptoms of an air conditioner repair.

But first, let's understand a little about your car's air conditioner's compressor:

The compressor is considered the central organ of the entire air conditioner system. Call it the AC's heart, if you will. It helps ensure that the refrigerant is flowing smoothly, which would provide the top performance of the air conditioner. Usually, an issue with the compressor results in low-effective cooling. And not just that, it can be quite dangerous if a compressor has some fault and there's a specific load on the air conditioner. We need to be aware of these signs that indicate the need to change the AC compressor.

1. Low cooling issues:
The first and the only sign you can quickly notice is the level of cooling. Having experienced a smooth performance from your four-wheeler's air conditioners on your trips to the market or work, you will be able to differentiate when the cooling is not that effective. This marks that the compressor cannot regulate the refrigerant flow smoothly, thus needing a replacement.

2. The annoying noise:
You might hear a loud, irritating and unusual noise whenever you switch on the air conditioner in your car. To address the issue, it is usually advised that you replace the entire cooling unit with a better and more compatible one for your car's manufacturing and other systems. Ensuring that your new unit is consistent with different electrical setups in your vehicle will help you avoid any damages that can endanger the car's safety, void the warranty of various systems, and violate the rules and regulations.

3. Clutch troubles can be experienced:
Faulty air conditioner compressors can cause issues with the clutch. It might seize or break, which ultimately indicates a power issue, and the compressor cannot access sufficient power from the engine.

4. Check the air vents:
Even if the compressors of the cooling unit of your car are faulty, you still need to ensure whether or not the air vents are clear for the air to flow without any obstructions. Clogged air vents can cause a disturbance in the smooth airflow from the air conditioner, thus lowering the levels of effective cooling inside the car. Clean the air vents and check again. If there is still an issue, the air conditioner's compressor must be checked thoroughly and replaced.

5. Fuse box examination:
Before deciding to go ahead and replace the compressor or the entire cooling unit, check the fuse box properly. While a faulty compressor is the cause of leaks in a refrigerant or low cooling, examining the fuse box leaves you with no second thoughts about changing the compressor.

Replacing the entire cooling unit and other repairing and servicing costs can be a substantial financial burden, even more so when you land in unfortunate circumstances that might cause severe damage to your car. Get a car insurance to avoid financial stress and ensure the longevity of your four-wheeler. You need the best car insurance which would serve your needs in the most efficient ways. Explore your options and do not delay buying reliable insurance to safeguard your asset against unfortunate events.

Click HERE to know more about the benefits of car insurance.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Learning a new skill and mastering it can be challenging and time taking. The same applies to car driving. Beginners first need to understand the various functionalities of a car. Then they take time to build and sharpen their road sense. Furthermore, they need to constantly practice to hone their driving skills.

However, driving on a single road can be a new game for many. Beginners will especially face challenges adjusting themselves to the single road. If you are a novice driver and wish to learn the tips to drive efficiently on a single-lane road, here's our guide to help you get started.

1. Acquaint yourself with the car:
The first thing any beginner should do is thoroughly acquaint himself with his car and its features. Cars have different gear patterns, and the responsiveness of the clutch and brakes also differ from one car to another.
Single roads usually have much heavier traffic than double-lane roads. A beginner should understand how his car responds with the press of the accelerator, brake, and clutch. Applying all three must happen in a rhythm. This understanding is essential to help beginners drive and maneuver their cars effectively through the traffic and potholes on single roads.

2. Traffic rules and road signals:
A beginner should familiarise himself with the prevalent traffic rules. This will help you save money by way of fines and penalties. You should also be familiar with the different signals and signboards put along the roads and indications used by other drivers. If speed breakers are approaching, you should lower your car's speed by seeing the board of "speed breakers ahead" on the roadsides.
Also, you should know that if a vehicle approaching you on a single road is flickering its headlights, it means that the driver wants to pass first. These factors will avoid unnecessary traffic jams, inconvenience, and the possibility of an accident.

3. Correct seating position:
You should adjust your driving seat according to your height and comfort. You should be in a comfortable position to easily access the car's pedals. Also, the seating position should help you maintain good posture so that you do not develop strains or backaches while driving through the busy single lane.

4. Slow speeds:
As a beginner, you should avoid driving fast or carelessly. Slow driving on a single road will ensure you fully control the car. Generally, the traffic in peak hours on a single lane is heavy, so drive with caution. Always Keep your eyes peeled to help you reach your destination safely.

5. Maintain safe distance:
Maintaining a safe distance from the car or vehicle in front while driving on a single road is essential. Due to the heavy traffic, vehicles brake suddenly on such roads. There will be no space to swerve and change lanes on a single road. Hence, the chances of an accident increase.

6. Take a double-lane road where possible:
As a beginner, you should always look for an alternative way to reach your destination by taking double-lane roads wherever possible, even if you have to cover a few extra kilometres.

7. Avoid driving at night:
Beginners should avoid taking a single road at night unless it is very necessary. This is so because the beam light of the car coming from the opposite direction often makes it difficult for beginners to see clearly. This problem is more severe on single roads as the space between cars is very less.

Summing up the entire discussion, we conclude that beginners should tread with extra caution while driving on single roads in India. People tend to drive as closely as possible to other vehicles in traffic, which can be troublesome for beginners. Fret not! Follow the above tips and be confident in your driving skills, practice traffic rules, and maintain lane discipline.

It is also essential for you to have valid car insurance as it is mandatory by law. Secondly, a good car insurance India plan will protect you against any possible damage while driving and compensate you for the repair and maintenance of your car.

Click HERE to buy a reliable car insurance India policy.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Cancer is one such illness that affects the patient and their family emotionally and mentally. According to recent studies, cancer rates are alarmingly increasing day by day. It can happen to anyone, irrespective of age, health, or lifestyle. Keeping these increasing numbers in mind, getting health insurance to manage expensive cancer treatment is ideal. Moreover, many insurance companies offer easy and quick health insurance policy renewals to avoid complications and get you financially protected.

Factors to consider when purchasing a cancer health insurance.

There are a lot of insurance plans in the market, which makes it confusing to find the right insurance company. It is important to purchase the right policy that matches your requirements to get the desired benefits in the event of a need. Understand that not just buying but timely cancer health insurance policy renewal is the best way to remain financially protected.

1. Type of policy:
Look for insurance policy features that specifically meet the needs of life-threatening diseases like cancer. You can also buy a cancer coverage add-on with your original health insurance policy or opt for the critical illness insurance policy that covers expensive medical charges.

2. Policy coverage:
Cancer treatments can jeopardize your lifelong savings. While some people can bear these expenses, some take out heavy loans to cover them. Thus, choosing a maximum sum assured and policy coverage is ideal. Also, look for an insurance provider that offers quick and hassle-free health insurance policy renewal.
During the critical cancer stage, you may be unable to work and provide income to the family. Therefore, ensure that your plan offers sufficient money to cover your lost income and medical expenses.

3. Waiting period:
Keep in mind that every health insurance plan comes with a waiting period. The waiting period for a particular disease can differ from one insurer to other. You may not be able to claim the medical expenses till your policy comes into force. Therefore, look for policies with shorter waiting periods or quick health insurance renewal to avoid increasing costs.

4. Prior medical history:
You may not know, but most insurers do not offer cancer coverage to those with a prior cancer history. Thus, if you have already survived cancer, your application has a chance of being rejected by the insurance company. Thus, disclose all health-related information with the insurance company when you buy a health insurance policy or consider health insurance policy renewal.

5. Insurance company:
Besides looking at the policy offerings and benefits, choosing the right insurance company is essential to ensuring a smooth purchase and claim settlement experience. It is recommended to check the insurance company's online reviews, customer support, claim settlement ratio, etc., and then choose the best policy.

6. Premium:
Another important factor to consider while purchasing cancer health insurance is the insurance premium. An insurance broker may offer maximum benefits, but if the insurance premium is out of your budget, all of these things do not matter. You must think twice before purchasing or considering health insurance policy renewal if the premium is out of budget.

While many want to avoid such dreadful illnesses, preparing yourself and your family for the worst is always a wise decision. Therefore, purchase or ensure regular health insurance policy renewal today to secure your tomorrow.

Click HERE for health insurance policy renewal.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Imagine you're out with your car for some work, and suddenly another over-speeding vehicle rams into your car from behind. A scary situation, isn't it? Worrying about the damages is not a concern if you have the right protection. Car insurance is the immediate step you should buy to ensure that you are compensated fairly and stay financially stress-free.

When you begin choosing insurance from the options available, you always look for competitive premiums which are affordable and fully effective. Although you can get substantially low car insurance policies, you will not be able to enjoy all the benefits and features.

Let's have a detailed look at why you should not opt for the least-priced car insurance.

1. Unavailability of essential benefits:
The least-priced car insurance often strips you of the major benefits. Not all expensive insurance policies need to offer you all the benefits, but the least-priced ones offer you none. For instance, it may not even cover accident costs if someone else is driving the car at the time of an accident. Some insurance companies very cleverly offer you a low premium to attract you to their insurance policies. You must properly inspect your policy before determining the one you want to buy.

2. Impacts policy coverage:
The cost of the car insurance policy is directly proportional to the level of coverage it provides. If your insurance is cheap, the coverage will be lower too. There might be third-party insurance involved, which requires the protection against damages to the third party. You can be accountable for major crises in terms of losses or damages.

3. Lack of cashless claims:
If your insurance policy is cheap, you may not be able to enjoy cashless claims. This means that you will not be able to avail the facility of getting your car repaired in a garage that falls under your insurance. Under other circumstances, you will not be required to pay any money from your pocket. But with cheap car insurance, you are forced to pay for the damages before you apply for a claim.

4. Unsatisfactory customer service:
It is a known fact that the reputed insurance agencies ask you for a premium which is justified. This means that you will receive top-notch and priority treatment as a customer. You will be given the best support and care by the customer service of your designated insurance company. They will pay attention to all your complaints and resolve them on priority. In the case of cheap insurance, you will face unsatisfactory responses to your queries. Always keep that in mind.

5. Greater deductibles:
A deductible is a partial amount paid by the policy owner during the settlement of an insurance claim. With this feature in your car insurance policy, you need to pay a small deductible for your claim. However, for the least-priced car insurance, you need to pay a larger amount as deductibles. Only after the payment, you'll get the claim amount. This is how they loop you in for trouble. Always ensure that you read your documents carefully and ask all the right questions.

These points are enough to evaluate decently priced car insurance instead of a cheap one. Always make sure you explore all your options and purchase the best car insurance, which would cater to all your needs in the best way possible. By saving a few bucks today, you risk losing a lot of money tomorrow. Hence, choose wisely while getting car insurance to protect your car against hefty damages in unfortunate situations.

Click HERE to learn more about the benefits of car insurance and the process of determining the best option for you.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

The cold weather in the winter is a welcome change in most parts of the country that usually experience blazing heat. While Central and Southern India witness pleasant climates with a slight nip in the air, the upper Northern part experiences snowfall. However, getting safely on the roads in vehicles is challenging due to the intense fog and constant snowfall.

Many people avoid driving, especially motorcycles, in snowy terrains. However, it is possible to safely ride on snow with the proper gear, technique, and tips. While following these steps can better prepare you to handle the terrain and climate, taking precautionary methods is the first step you cannot skip at any cost.

Ensure that you have active bike insurance, or renew your bike insurance online to get the best quotes and compare policies from the comfort of your home. Now that we've set the base, here are some steps you must follow to guarantee a comfortable motorcycle ride in the snow.

1. Get your riding gear right:
Not having the essential requisites gear can invite discomfort and troubles for the rider. After taking the necessary steps to buy or renew your bike insurance online, check your riding equipment. While a helmet is all that is mandated in different climates, you need to be prepped for enduring the harsh cold.
Ensure that you wear adequate layers of well-fitted insulating barriers. The outermost layer should be water-resistant but breathable. Gloves and ridged boots are other necessities during the winter.

2. Prep your motorcycle:
A quick wipe-down may be sufficient in other conditions, but you need to snow-proof your vehicle. Switch to all-weather tyres to ensure better grip, and check your bike's mechanics before each ride. This will expose any issues beforehand and prevent accidents on slippery roads. Anti-fog visors are an example of winter-centric riding essentials that can help manoeuvre over the snow.

3. Stay seated at all times:
Bike stunts can be risky at all times, so it is best to avoid them in uncertain conditions like snow. Follow basic protocol and do not overload the bike to maintain proper balance, and be able to take charge of the situation if the motorcycle begins to slip and slide.

4. Focus on posture:
Relaxed posture is key to maintaining balance even in normal conditions, but even more in snow. Ensure that your shoulders are pushed back and loose while keeping your elbows steady instead of holding them at a 90-degree angle. This has a direct impact on the control over the bike.

5. Pay attention to the road ahead:
While this may seem obvious, it is challenging to take a call when all that's ahead of you is snow. If it is snow with evident traces of a road underneath, ride straight forward. The snow will compress underneath the tyre and fill the grooves.
If there are some tracks in the snow, it may be best to ride on the untrodden path instead of exploring new trails. If you encounter wide tyre tracks that have left the snow in a slush, riding on the slush may be your best bet, as your bike's tyres will touch the road, providing grip. However, if you see signs of ice underneath, steer clear.

While these tips can help you keep your bike upright in the snow and reduce the risk of accidents, it is best to seek shelter in case of heavy snowfall. Ensure that you drive slowly and make decisions ahead of time, as it takes longer to break in the snow. Don't forget to purchase or renew bike insurance online that covers any accidental damages to your bike due to the adverse impact of the snow.

Click HERE to invest in bike insurance online for your two wheeler.

Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.

Ageing is an inevitable natural phenomenon. No matter how much you try, the effects of ageing are bound to catch up with you over time. A common symptom of ageing is loss of stamina. Tasks that used to be manageable begin to feel challenging. Although it is a regular sign of turning old, it is now being seen amongst youngsters as well. Despite the age gap, most people have low stamina levels and often get tired after doing relatively simple tasks.

In such situations, irrespective of your age, you must first buy a health insurance policy to cover any potential problems that might arise in the future. Nowadays, the process has become extremely simplified and can be done at home by running a quick search to buy health insurance online India.

Now that you have your health insurance covered, you can focus on taking preventive measures to stop your stamina from reducing further. The easiest way to do so is by following a regular exercise routine that focuses on cardio and eating a well-balanced diet. Here is a list of the best cardio exercises that can have your stamina up and leave you feeling energised when followed consistently.

1. Jump rope:
Also known as skipping rope, it is a quick exercise that doesn't need too much space or much equipment. To jump rope, all you need is a jump rope and some practice. We recommend wearing comfortable shoes while practising to prevent any injuries. The inexpensive cardio exercise is sure to get your heart rate up. You can also switch up things after a little bit of practice and go on to master double jumps, boxer jumps, and many more!

2. Brisk walk:
Surprised to see regular old walking on the list? Walking with more powerful strides than a stroll is known as brisk walking. It is easy to do and can be done at any time of the day and anywhere! Who says cardio has to be done on expensive equipment in fancy gyms?

3. Swimming:
Swimming is a form of low-impact cardio that is very enjoyable. You can take up the activity alone or with a group of friends to make it more fun. The variations in strokes allow you to stay engaged without repeatedly getting bored of the same thing.

4. Boxing:
If you enjoy more action-packed exercises involving competition, boxing may be the best fit. Studies show that boxing burns more calories than most cardio activities, making it a great addition to your day to increase your energy levels and stamina. Since it is a hands-on game that may result in injuries, you must be careful while practising it.

5. Cycling:
Since the Covid-19 pandemic, the sales of bicycles in India have grown multifold. Cycling is an excellent cardio exercise to go on a ride, and many cycling enthusiasts come together in groups and go cycling together to prevent any mishaps and support each other. If long-distance rides are not your thing, you can always stick to solo rides in nearby areas.

Why you must consider buying health insurance if you have low stamina?
Your lack of stamina may be due to poor diet, improper sleep, a hectic schedule, lifestyle choices, or an underlying medical condition. It is essential to buy health insurance online India for individuals of all ages. While you can take measures to build your stamina, a policy cover keeps you protected at all times, keeping you stress-free from any possible health accidents and associated bills.

Staying energetic every day requires discipline and sincere efforts. Our lifestyle has a major role in shaping the core of our body. Stamina is the fuel that we need to survive all the stress, and these simple and efficient cardio exercises are just what your body needs. If you can't change your lifestyle, then better change your mindset. Adapt to healthy practices and see the magic happen!

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Disclaimer: The information provided above is for illustrative purposes only. To get more details, please refer to policy wordings and prospectus before purchasing a policy.